Property Cashflow Property Cashflow Pro Calculator
Four steps: where you are now, what your ideal life costs, what you need to earn, and the gap between them.
Most investors have a vague target and no idea what it would take to reach it. This calculator turns a monthly income goal into the number of properties, the capital and the time required to get there.
A £4,000 net monthly target, at £350 net per single let, needs eleven or twelve properties. At £450 net per small HMO it needs nine. The strategy you choose changes the size of the portfolio and the capital it takes to build it.
Divide your target net monthly income by the net cashflow per property after every cost, including voids and maintenance. Most people are surprised by the answer because they use gross rent, which roughly halves the count.
Cashflow pays your bills and keeps you solvent through a rate rise; growth builds net worth you cannot spend until you sell or refinance. Financial independence is a cashflow question.
For most investors recycling capital through refinance, five to ten years to replace an average salary. Anyone promising it in twelve months is selling something.
Want this run on a real deal with you? Book a call, or take the whole set in the UK Property Investor Toolkit.