Landlord Tax Calculator

Work out UK Income Tax on rental profit for 2024/25, applying the finance cost restriction that gives mortgage interest a 20% tax credit instead of letting it be deducted as an expense.

freeworks offlinenothing uploaded
Input
Output

About landlord tax calculator

Landlord Tax Calculator is a small tool that does one job while you watch. Nothing is saved, so a reload gives you a clean start.

Everything after the first page load is local. Pull the network cable mid-edit and the tool carries on as though nothing happened.

You will find it under Property, alongside 12 other tools for the same sort of job.

Runs in this tab, so nothing you type is uploaded.

How to use it

01
Start it
Every control is on the tool itself. Keyboard shortcuts, where there are any, are listed beside it.
02
Watch it run
It updates in the page as you go. Nothing is sent anywhere, so it keeps working with the network off.
03
Close when done
Nothing is stored between visits. Reloading gives you a clean start rather than picking up where you left off.

Examples

A landlord with 30,000 of other income
15,000 rental income, 3,000 of allowable expenses and 6,000 of mortgage interest
Input
annualRentalIncome: 15000
allowableExpenses: 3000
mortgageInterest: 6000
otherAnnualIncome: 30000
Output
Property profit: 12000
Personal allowance used: 12570
Marginal tax band percent: 20
Tax on property profit before credit: 2400
Finance cost tax credit: 1200
Tax on property profit after credit: 1200
Effective tax rate on profit percent: 10

Questions

Does Landlord Tax Calculator work offline?+

Yes. It is JavaScript running in this tab, so once the page has loaded it needs nothing further from the network. Put the machine in flight mode and it carries on. Nothing you do here is sent anywhere, because there is nowhere for it to go.

Does it remember anything between visits?+

No. Reload the page and it starts from nothing. There is no account, no saved state and no cookie holding your last session. That is a deliberate trade: it cannot lose your data because it never keeps any.

Is it accurate?+

Timing comes from performance.now(), the high resolution clock the browser provides, rather than from setInterval, which drifts by a few milliseconds every tick and compounds over minutes. What can still shift things is the browser throttling a tab in the background, so leave it visible if the timing matters.

Does it make a sound?+

Where a sound makes sense, it is generated with the Web Audio API rather than loaded as a file, so there is nothing to download and nothing to block. Browsers refuse to start audio until you have interacted with the page, which is why the first press is what switches it on.

Can I use Landlord Tax Calculator on a phone?+

Yes. The controls are sized for touch and the layout collapses to one column on a narrow screen. Bear in mind that a phone locking its screen will suspend the page, and timing stops with it.