HMO Room-by-Room Profitability Calculator
✓ 2026/27 Deal Analyser1. Property & Acquisition
£
£
£
%
%
2. Room Rents & Occupancy
%
92% represents roughly 1 month void per room per year.
R1
R2
R3
R4
R5
R6
3. Monthly Expenses
%
£
HMO landlords typically pay bills on behalf of tenants.
£
Net Monthly Cashflow
£1,250
after all expenses & mortgage
HMO Net Yield
6.50%
based on purchase price
Cash-on-Cash ROI
12.50%
on total invested capital
Gross Monthly Rent
£3,050
adjusted for occupancy
HMO Monthly Operating Ledger
Gross Adjusted Rental Income
£2,806
Mortgage Payment (Interest)
-£1,031
Management Commission
-£281
Utilities & Council Tax/Bills
-£550
Net Monthly Cashflow
£944
Equity Capital
40%
Mortgage Debt
60%
How We Calculated This
- Input variables: Enter the relevant amounts, rates, or percentages in the form.
- Real-time breakdown: The calculator applies HMRC rules and thresholds for the 2026/27 tax year to process the values.
- Display outputs: The visual graphs, donut charts, and tables are compiled dynamically to show your net take-home and deductions.
Real-World Examples
Standard Scenario
A basic calculation applying standard UK tax bands and allowances.
Calculation runs based on standard HMRC rules.
With Pension or Deductions
Factoring in a percentage of salary sacrifice or pension contributions.
Deductions are calculated and adjusted accordingly.
Frequently Asked Questions
Is this calculator updated for the 2026/27 tax year?
Yes, all calculators are fully updated with the latest HMRC thresholds, personal allowances, and National Insurance rates for 2026/27.
Can I use this for official tax submissions?
These tools are for estimation and illustrative purposes only. For official tax returns, please consult a qualified accountant or reference HMRC directly.
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About This Calculator
This calculator uses the latest HMRC rates for the 2026/27 tax year. For illustrative purposes only — always consult a qualified tax adviser for formal advice.