Calculation updates

This log separates changes to the website from the dates recorded for its calculation assumptions.

20 September 2026 — focused calculator pages

Added dedicated BTL, HMO, Section 24, company comparison and cash-flow stress-test pages, static guide content, worked examples, navigation, crawl files, page metadata and publisher information. The underlying finance and projection formulas were retained.

Calculation basis carried forward

The engine uses the 2026–27 tax-year basis. The existing methodology records tax rules checked on 9 September 2026 and HMO guidance on 10 September 2026. The yield benchmark records a check on 11 September 2026. These are historical source-check dates, not a claim that all rules were reviewed for this website update.

Known modelling limits

Company cash excludes personal extraction tax. The projection fixes tax rules and other income, without carrying tax losses or finance relief between years. Capital appreciation, sale proceeds and sale taxes are excluded. Cash-flow stress scenarios are not lender affordability tests. Earlier-year personal losses and finance-cost balances are not imported.

The Section 24 explanatory guidance and corporation-tax rate reference were consulted for the new page text on 20 September 2026; this was not a new audit of the complete calculation engine.

BTL profit after tax Estimate UK buy-to-let cash flow after running costs, mortgage payments and tax. Compare rental yield, upfront cash and cash-on-cash ROI.HMO profit & ROI Calculate HMO cash flow and ROI using individual room rents, voids, bills, licensing allowances, finance and estimated tax. Free UK planning tool.Section 24 Estimate rental cash after income tax and residential finance-cost relief. See why taxable property profit can differ from spendable buy-to-let cash.Limited company vs personal Estimate company buy-to-let cash after corporation tax and compare personal ownership on matching inputs. Company figures exclude personal extraction tax.Cash-flow stress test Stress-test buy-to-let cash flow against lower rents and higher mortgage rates, with estimated tax recalculated. A planning tool, not lender approval.