UK Rental Tax Estimator

See exactly what you'll owe HMRC on your rental income — including the real impact of Section 24 on your mortgage interest.

2025-26 Tax Year
Section 24 Impact
Free to Use

Your Rental Income

Enter your annual figures for the 2025-26 tax year

Gross rent received across all properties
Agent fees, repairs, insurance, maintenance, advertising (not mortgage interest)
Total interest on buy-to-let mortgages (not capital repayments)

Your Other Income

Needed to calculate your marginal tax rate accurately

Your annual salary, pension, or other non-rental income (gross, before tax)
Your share if jointly owned
For Payments on Account

Your Rental Tax Estimate

2025-26 tax year — based on the figures you provided

Rental Profit
—
Tax on Rental Income
—
Section 24 Credit
—
Section 24 Annual Cost to You
—

Full Tax Calculation

Gross rental income (your share) —
Less: allowable expenses (your share) —
Rental profit —
Other income (employment / pension) —
Total taxable income —
Income tax (on total income) —
Income tax (on other income only) —
Tax attributable to rental income —
Less: Section 24 tax credit (20%) —
Net tax on rental income —

Section 24 Impact

Old rules: full mortgage deduction would save you —
New rules: Section 24 credit (20% only) —
Section 24 costs you extra per year —
Effective tax rate on rental income —

Track this automatically, month by month

The Solofold Landlord Property Command Center does this calculation every month as you log income and expenses. SA105-aligned categories, Section 24 credit engine, CGT estimator, and an accountant-ready year-end pack.

This calculator provides estimates based on 2025-26 HMRC tax rates and thresholds. It does not constitute financial, legal, or tax advice. Always verify figures with a qualified UK accountant before filing your Self Assessment. Solofold is not liable for decisions made based on these estimates. Tax rules may change — check GOV.UK for the latest guidance.