10-Year Property IRR & NPV Investment Calculator
✓ Verified for 2026/27 Tax & Valuation Projections1. Purchase & Capital Structure
£
£
Stamp Duty, legal fees, surveying, and immediate refurb.
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2. Income & Expense Forecast
£
%
£
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 |
|---|
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.