Property Cashflow Property Cashflow Pro Calculator
Income, expenses, assets and liabilities — then your net worth, passive-income ratio and how close you are to financial freedom.
Before any property decision, the honest question is what your own finances currently do. This tool maps your income, expenses, assets and liabilities and shows how much of your life is already covered by passive income.
Someone earning £3,800 a month with £3,100 of expenses and £250 of rental income has a £700 surplus and 8% of their life covered passively. Those two numbers set the pace of everything that follows.
Because it is the only figure that tracks the distance to financial independence. A rising net worth can sit entirely in a house you live in; a rising passive-income percentage cannot.
Expensive unsecured debt, generally yes — few property deals reliably beat a credit card rate. A cheap mortgage or student loan is a different question and usually should not stop you investing.
Enough to build a deposit and to hold a cash reserve for the property once you own it. The reserve matters more than most beginners expect: a boiler and a void in the same month is a normal event, not a disaster.
Want this run on a real deal with you? Book a call, or take the whole set in the UK Property Investor Toolkit.