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If you invest (deposit) in , In years you will earn

Rental Earn (Gross Rent)

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Rent Enjoyed (Net Rent)

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Return on Total Investment

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Net Worth (Equity)

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Property Value

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ROI: ROI (Return on Investment) measures how much profit or loss you make compared to what you initially invested.

CAGR: CAGR (Compound Annual Growth Rate) shows the average yearly growth rate of an investment or value over a specific period.

Off-Plan ROI & Rental Income Calculator

Amount to Invest Enter the initial sum you plan to invest. This is the amount of cash readily available. Deposit This is the minimum percentage the developer requires to book the off-plan property Length of Ownership Select the number of years you plan to hold your investment.

Location Choose the location of the property you are interested in investing.
Please note: Each location has a different average rental yield, rental growth rate, and house price growth rate. You can view these average rates below by clicking the ‘View average rates.
Mortgage Term Enter the number of years over which you intend to repay your mortgage or pay interest. A longer tenure typically results in lower monthly repayments but higher total interest costs.

Mortgage Repayment or Interest Only Select ‘Interest Only’ to pay only the interest on your loan, maximising cash flow from rental income, or choose ‘Mortgage Repayment’ to also pay down the principal, gradually increasing your equity in the property.

Stamp Duty Stamp Duty is a tax levied by the government on purchases of property above a certain threshold. Select the relevant conditions to calculate the correct amount you will need to pay.

Property is a first homeProperty is a buy to let or second home

Buyer is a non-UK resident

Experts Tip : Liverpool boasts an 8% rental yield and promising 7.2% property appreciation

USP : It is the most secured location with highest footfall

Join our FREE Club to view Off-Plan Off-Market Properties that can help you achieve these numbers

Click here to view Expenses

Service Charges

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Mortgage / month

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Interest Only / month

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Principal Left to Repay

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Interest Repayment

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Property Management Service

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Stamp Duty

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Click here to view the average rates in

Cost of Property This reflects the total cost of the property, calculated based on the ‘Deposit’ % and the ‘Amount to invest’ you selected above. To adjust the property cost, change those fields above
Average Rental Yield This is the expected average annual rental income as a percentage of the property price. It reflects the potential return you may anticipate from renting out the property %

Avg Property Appreciation This is the expected annual increase in the property’s value, expressed as a percentage. This figure represents the average yearly growth in the value of your specific property. %
Avg Rental Appreciation This is the expected annual increase in rental income, expressed as a percentage. This figure indicates how much you anticipate the rent could rise each year due to market factors and tenant demand %

Avg UK Mortgage This is a long-term average interest rate for UK mortgages, expressed as a percentage. This rate is used to calculate your potential monthly mortgage payments %
Service Charge The annual service charge rate, expressed as a percentage of the property’s value, covers maintenance and communal services for the property. %

Property Management Fee This is a percentage of the rental income allocated to the property management fee. This fee covers the services provided by a property manager, including maintenance and tenant management, such as finding tenants, rent collection, and property inspections. %

Let’s break down how these calculations work

Rental Earned

This is the total amount of rent you expect to earn over your investment period. It’s calculated by multiplying the property value by the average rental yield and factoring in the compounded annual appreciation in rental income.

Rent Enjoyed

Your monthly profit from the rental is left after paying for property management, service charges, and the mortgage.

Return on Total Investment

Return on total investment is calculated by adding the rental earnings and property value, then subtracting the service charges, remaining principal, mortgage payments, and property management fees.

Net Worth

Your net worth is calculated by deducting the remaining principal from the appreciated property value.

Property Value

The property’s value is calculated by a compounded annual expected appreciation rate over your investment period.

Service Charge

This is a regular payment made by property owners in multi-unit buildings (flats, apartments) to cover the upkeep of shared areas and services. It’s calculated by multiplying the service charge rate for your chosen location by the property value, and increases annually at the same rate as the expected property value appreciation.

Mortgage / month

The amount you contribute towards paying off your mortgage, along with the interest, every month.

Interest Only / month

This is the amount you pay each month that covers only the interest on your mortgage, not the principal amount. This makes the initial monthly payments lower, but you will still owe the full loan amount at the end of the term, requiring repayment through selling the property, saving, or refinancing.

Principal Left to Repay

The remaining amount you owe to the bank for your mortgage. It’s the money you still need to pay back.

Mortgage Paid

This is the total amount of your mortgage that you’ve already repaid over the course of your mortgage term.

Interest Paid

This is the total amount of interest you’ve already paid on your mortgage loan over the course of your investment period.

Property Management Service

The fee you pay to a company for managing your rental property to find tenants, collect rent, do maintenance, and provide tenant support. It’s calculated by multiplying the total rental income earned with the property management fee percentage

Stamp Duty

A tax that you, as a home buyer in England and Northern Ireland, have to pay when purchasing a property. This is further explained in the footnotes below.

Property / Lease Premium / Transfer Value	SDLT Rate
Up to £250,000	0%
£250,001 to £925,000	5%
£925,001 to £1,500,000	10%
Above £1,500,000	12%

Reason for Stamp Duty Surcharge	Surcharge Rate
Buying additional properties	5%
Non-UK residence	2%

Your Passive Rental Income Per Month Breakup

In , with rental yield & appreciation

# Annual Total represents the cumulative sum of each year’s monthly rental, each multiplied by 12.
*Important Note: These are just estimates, and actual rental income may vary.

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Passive Income Calculator

Maximise Your Investment Returns

Understanding the return on investment (ROI) is essential for making informed property investment decisions. The Flambard Williams ROI Calculator is a powerful investment calculator designed to help you evaluate the profitability of your real estate investments, ensuring you can make smart financial decisions and achieve your investment goals, including planning for retirement.

What is a Passive Income/ ROI Calculator?

An ROI calculator helps you determine the rate of return on investment by comparing the net profit of your investment to its initial cost. This calculation provides a clear picture of the profitability of your investments, allowing you to compare different opportunities and make the best choices based on the return rate.

How to Use the Passive Income/ ROI Calculator

Initial Investment: Enter the lump sum amount you wish to invest. This sets the foundation for your personalised investment strategy.
Preferred Location: Choose your desired location for property investment. Our experts will identify prime opportunities in that area.
Investment Years: Specify the number of years you plan to invest. This helps us tailor your investment plan to achieve optimal returns within your timeframe.

Benefits of Using Our Calculator

Informed Decision Making: Quickly assess the potential returns on your investments and compare different opportunities.
Easy Comparisons: Compare the ROI of multiple properties to identify the most profitable options.
Accurate Financial Planning: Ensure your investments align with your real estate investment trusts, financial goals, and expectations.

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