10-Year Property IRR & NPV Investment Calculator
✓ Verified for 2026/27 Tax & Valuation Projections1. Purchase & Capital Structure
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Stamp Duty, legal fees, surveying, and immediate refurb.
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2. Income & Expense Forecast
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Management fees, maintenance, service charges, insurance.
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3. Exit & Valuation Parameters
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Discount rate for Net Present Value (NPV) calculation.Internal Rate of Return (IRR)
12.45%
10-year annualised rate
Net Present Value (NPV)
£34,500
at target hurdle rate
Equity Multiple
2.1x
returns / initial capital
Total Outlay (Year 0)
£77,500
initial equity & costs
10-Year Annual Cashflow Projection
| Year | Property Value | Rental Income | Expenses | Mortgage | Net Cashflow |
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Verified for Accuracy (2026/27 Tax Year)
Fact-checked and audited by David Vance, CTA FCA, Chartered Tax Advisor & Accountant. Verified against official HMRC rules.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.