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Investor Tools

The Property Cashflow calculator suite — every formula runs on our server, so the logic stays ours (nothing to inspect in the page).

Pro calculators — from the toolkit

Buy-to-Let Pro Calculator

Full BTL deal analysis — costs, financing, stamp duty, cashflow, tax & growth.

Small HMO Calculator

A small HMO conversion — rooms, bills, financing and net cashflow.

HMO Calculator

Model an HMO room-by-room with full running costs and ROI.

HMO Calculator (Advanced)

The full HMO model — refurb, financing, licensing and profit extraction.

HMO Ready-to-Let Calculator

An already-operating HMO — yield, cashflow and return on a turnkey deal.

HMO Flip Calculator

An HMO you refurbish and sell — bridging, refurb, holding costs, capital gain & ROI.

Commercial → Residential

Full development appraisal with per-unit breakdown, GDV, refinance & sensitivity.

CFO Scoreboard / Buy-The-Biz

4-period financials, cash flow, What-If & business-purchase valuation.

Property Flip Calculator

Buy-refurbish-sell profit, ROI and margin including all costs.

Property Flip (Advanced)

The full flip model — detailed renovation, financing, holding & sale costs.

Owner-Occupied Home Calculator

The true monthly cost of buying your own home.

Rent-to-Rent Calculator

R2R monthly profit, upfront costs and ROI vs your targets.

Optimal Money Extraction Plan

The most tax-efficient way to take profit out of your company — salary, pension, dividends.

Xero Transaction Categorisation

Which Xero account and code a property transaction belongs in, and whether it is capital or revenue.

Personal Cashflow Calculator

Toolkit tool 14 — your income, expenses, assets and liabilities in one statement, with net worth, net cashflow and how much of your life passive income already pays for.

Property Cashflow: The Game

Toolkit tool 15 — play a full round against the AI and simulate your way from salary to financial freedom.

Time Inventory Exercise

Block out where your week actually goes — business, personal, health, social, learning, rest — and see what is left.

Quick calculators

Quick BTL Calculator

Fast yields, ROI and cashflow for a single-let.

Quick HMO Calculator

Fast room-by-room HMO returns.

Quick Flip / BRRR

Fast profit and ROI on a flip.

Quick Rent-to-Rent

Fast R2R profit and payback.

Financial Freedom

How many properties to hit your income goal.

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