Wealth Builders Passive Earners I am looking to build wealth of £500,000£1,000,000£2,000,000£2,500,000£3,000,000£3,500,000£4,000,000£5,000,000 in 510152025 years CountryAfghanistan (+93)Albania (+355)Algeria (+213)American Samoa (+1684)Andorra (+376)Angola (+244)Anguilla (+1264)Antarctica (+672)Antigua and Barbuda (+1268)Argentina (+54)Armenia (+374)Aruba (+297)Australia (+61)Austria (+43)Azerbaijan (+994)Bahamas (+1242)Bahrain (+973)Bangladesh (+880)Barbados (+1246)Belarus (+375)Belgium (+32)Belize (+501)Benin (+229)Bermuda (+1441)Bhutan (+975)Bolivia (+591)Bosnia and Herzegovina (+387)Botswana (+267)Brazil (+55)British Indian Ocean Territory (+246)Brunei Darussalam (+673)Bulgaria (+359)Burkina Faso (+226)Burundi (+257)Cambodia (+855)Cameroon (+237)Canada (+1)Cape Verde (+238)Cayman Islands (+1345)Central African Republic (+236)Chad (+235)Chile (+56)China (+86)Christmas Island (+61)Cocos (Keeling) Islands (+672)Colombia (+57)Comoros (+269)Congo (+242)Congo, Democratic Republic of the (+243)Cook Islands (+682)Costa Rica (+506)Côte d'Ivoire (+225)Croatia (+385)Cuba (+53)Cyprus (+357)Czech Republic (+420)Denmark (+45)Djibouti (+253)Dominica (+1767)Dominican Republic (+1809)Ecuador (+593)Egypt (+20)El Salvador (+503)Equatorial Guinea (+240)Eritrea (+291)Estonia (+372)Eswatini (+268)Ethiopia (+251)Falkland Islands (+500)Faroe Islands (+298)Fiji (+679)Finland (+358)France (+33)French Guiana (+594)French Polynesia (+689)Gabon (+241)Gambia (+220)Georgia (+995)Germany (+49)Ghana (+233)Gibraltar (+350)Greece (+30)Greenland (+299)Grenada (+1473)Guadeloupe (+590)Guam (+1671)Guatemala (+502)Guinea (+224)Guinea-Bissau (+245)Guyana (+592)Haiti (+509)Honduras (+504)Hong Kong (+852)Hungary (+36)Iceland (+354)India (+91)Indonesia (+62)Iran (+98)Iraq (+964)Ireland (+353)Isle of Man (+44)Israel (+972)Italy (+39)Jamaica (+1876)Japan (+81)Jordan (+962)Kazakhstan (+7)Kenya (+254)Kiribati (+686)Korea, Democratic People's Republic of (+850)Korea, Republic of (+82)Kosovo (+383)Kuwait (+965)Kyrgyzstan (+996)Lao People's Democratic Republic (+856)Latvia (+371)Lebanon (+961)Lesotho (+266)Liberia (+231)Libya (+218)Liechtenstein (+423)Lithuania (+370)Luxembourg (+352)Macao (+853)North Macedonia (+389)Madagascar (+261)Malawi (+265)Malaysia (+60)Maldives (+960)Mali (+223)Malta (+356)Marshall Islands (+692)Martinique (+596)Mauritania (+222)Mauritius (+230)Mayotte (+262)Mexico (+52)Micronesia (+691)Moldova (+373)Monaco (+377)Mongolia (+976)Montenegro (+382)Montserrat (+1664)Morocco (+212)Mozambique (+258)Myanmar (+95)Namibia (+264)Nauru (+674)Nepal (+977)Netherlands (+31)New Zealand (+64)Nicaragua (+505)Niger (+227)Nigeria (+234)Niue (+683)Norfolk Island (+672)North Macedonia (+389)Northern Mariana Islands (+1670)Norway (+47)Oman (+968)Pakistan (+92)Palau (+680)Palestine, State of (+970)Panama (+507)Papua New Guinea (+675)Paraguay (+595)Peru (+51)Philippines (+63)Pitcairn Islands (+64)Poland (+48)Portugal (+351)Puerto Rico (+1787)Qatar (+974)Romania (+40)Russia (+7)Rwanda (+250)Saint Barthélemy (+590)Saint Helena (+290)Saint Kitts and Nevis (+1869)Saint Lucia (+1758)Saint Martin (+590)Saint Pierre and Miquelon (+508)Saint Vincent and the Grenadines (+1784)Samoa (+685)San Marino (+378)Sao Tome and Principe (+239)Saudi Arabia (+966)Senegal (+221)Serbia (+381)Seychelles (+248)Sierra Leone (+232)Singapore (+65)Sint Maarten (+1721)Slovakia (+421)Slovenia (+386)Solomon Islands (+677)Somalia (+252)South Africa (+27)South Georgia and the South Sandwich Islands (+500)South Sudan (+211)Spain (+34)Sri Lanka (+94)Sudan (+249)Suriname (+597)Svalbard and Jan Mayen (+47)Sweden (+46)Switzerland (+41)Syria (+963)Taiwan (+886)Tajikistan (+992)Tanzania (+255)Thailand (+66)Timor-Leste (+670)Togo (+228)Tokelau (+690)Tonga (+676)Trinidad and Tobago (+1868)Tunisia (+216)Turkey (+90)Turkmenistan (+993)Turks and Caicos Islands (+1649)Tuvalu (+688)Uganda (+256)Ukraine (+380)United Arab Emirates (+971)United Kingdom (+44)United States (+1)Uruguay (+598)Uzbekistan (+998)Vanuatu (+678)Vatican City (+39)Venezuela (+58)Vietnam (+84)Wallis and Futuna (+681)Western Sahara (+212)Yemen (+967)Zambia (+260)Zimbabwe (+263) [_remote_ip] I want financial freedom in next 5101520251 years and I need £2,000£3,000£4,000£5,000£6,000£7,000£8,000£9,000£10,000 per month CountryAfghanistan (+93)Albania (+355)Algeria (+213)American Samoa (+1684)Andorra (+376)Angola (+244)Anguilla (+1264)Antarctica (+672)Antigua and Barbuda (+1268)Argentina (+54)Armenia (+374)Aruba (+297)Australia (+61)Austria (+43)Azerbaijan (+994)Bahamas (+1242)Bahrain (+973)Bangladesh (+880)Barbados (+1246)Belarus (+375)Belgium (+32)Belize (+501)Benin (+229)Bermuda (+1441)Bhutan (+975)Bolivia (+591)Bosnia and Herzegovina (+387)Botswana (+267)Brazil (+55)British Indian Ocean Territory (+246)Brunei Darussalam (+673)Bulgaria (+359)Burkina Faso (+226)Burundi (+257)Cambodia (+855)Cameroon (+237)Canada (+1)Cape Verde (+238)Cayman Islands (+1345)Central African Republic (+236)Chad (+235)Chile (+56)China (+86)Christmas Island (+61)Cocos (Keeling) Islands (+672)Colombia (+57)Comoros (+269)Congo (+242)Congo, Democratic Republic of the (+243)Cook Islands (+682)Costa Rica (+506)Côte d'Ivoire (+225)Croatia (+385)Cuba (+53)Cyprus (+357)Czech Republic (+420)Denmark (+45)Djibouti (+253)Dominica (+1767)Dominican Republic (+1809)Ecuador (+593)Egypt (+20)El Salvador (+503)Equatorial Guinea (+240)Eritrea (+291)Estonia (+372)Eswatini (+268)Ethiopia (+251)Falkland Islands (+500)Faroe Islands (+298)Fiji (+679)Finland (+358)France (+33)French Guiana (+594)French Polynesia (+689)Gabon (+241)Gambia (+220)Georgia (+995)Germany (+49)Ghana (+233)Gibraltar (+350)Greece (+30)Greenland (+299)Grenada (+1473)Guadeloupe (+590)Guam (+1671)Guatemala (+502)Guinea (+224)Guinea-Bissau (+245)Guyana (+592)Haiti (+509)Honduras (+504)Hong Kong (+852)Hungary (+36)Iceland (+354)India (+91)Indonesia (+62)Iran (+98)Iraq (+964)Ireland (+353)Isle of Man (+44)Israel (+972)Italy (+39)Jamaica (+1876)Japan (+81)Jordan (+962)Kazakhstan (+7)Kenya (+254)Kiribati (+686)Korea, Democratic People's Republic of (+850)Korea, Republic of (+82)Kosovo (+383)Kuwait (+965)Kyrgyzstan (+996)Lao People's Democratic Republic (+856)Latvia (+371)Lebanon (+961)Lesotho (+266)Liberia (+231)Libya (+218)Liechtenstein (+423)Lithuania (+370)Luxembourg (+352)Macao (+853)North Macedonia (+389)Madagascar (+261)Malawi (+265)Malaysia (+60)Maldives (+960)Mali (+223)Malta (+356)Marshall Islands (+692)Martinique (+596)Mauritania (+222)Mauritius (+230)Mayotte (+262)Mexico (+52)Micronesia (+691)Moldova (+373)Monaco (+377)Mongolia (+976)Montenegro (+382)Montserrat (+1664)Morocco (+212)Mozambique (+258)Myanmar (+95)Namibia (+264)Nauru (+674)Nepal (+977)Netherlands (+31)New Zealand (+64)Nicaragua (+505)Niger (+227)Nigeria (+234)Niue (+683)Norfolk Island (+672)North Macedonia (+389)Northern Mariana Islands (+1670)Norway (+47)Oman (+968)Pakistan (+92)Palau (+680)Palestine, State of (+970)Panama (+507)Papua New Guinea (+675)Paraguay (+595)Peru (+51)Philippines (+63)Pitcairn Islands (+64)Poland (+48)Portugal (+351)Puerto Rico (+1787)Qatar (+974)Romania (+40)Russia (+7)Rwanda (+250)Saint Barthélemy (+590)Saint Helena (+290)Saint Kitts and Nevis (+1869)Saint Lucia (+1758)Saint Martin (+590)Saint Pierre and Miquelon (+508)Saint Vincent and the Grenadines (+1784)Samoa (+685)San Marino (+378)Sao Tome and Principe (+239)Saudi Arabia (+966)Senegal (+221)Serbia (+381)Seychelles (+248)Sierra Leone (+232)Singapore (+65)Sint Maarten (+1721)Slovakia (+421)Slovenia (+386)Solomon Islands (+677)Somalia (+252)South Africa (+27)South Georgia and the South Sandwich Islands (+500)South Sudan (+211)Spain (+34)Sri Lanka (+94)Sudan (+249)Suriname (+597)Svalbard and Jan Mayen (+47)Sweden (+46)Switzerland (+41)Syria (+963)Taiwan (+886)Tajikistan (+992)Tanzania (+255)Thailand (+66)Timor-Leste (+670)Togo (+228)Tokelau (+690)Tonga (+676)Trinidad and Tobago (+1868)Tunisia (+216)Turkey (+90)Turkmenistan (+993)Turks and Caicos Islands (+1649)Tuvalu (+688)Uganda (+256)Ukraine (+380)United Arab Emirates (+971)United Kingdom (+44)United States (+1)Uruguay (+598)Uzbekistan (+998)Vanuatu (+678)Vatican City (+39)Venezuela (+58)Vietnam (+84)Wallis and Futuna (+681)Western Sahara (+212)Yemen (+967)Zambia (+260)Zimbabwe (+263) [_remote_ip] If you invest (deposit) in , In years you will earn Rental Earn (Gross Rent) Tooltip Rent Enjoyed (Net Rent) Tooltip Return on Total Investment Tooltip Net Worth (Equity) Tooltip Property Value Tooltip 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 20%25%30%35%50%100% Length of Ownership Select the number of years you plan to hold your investment. 12510152025 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. LiverpoolLondonNottinghamPrestonDerbyBirminghamManchesterSheffieldYorkLeedsHullStaffordStockportHalifaxBurtonUponTrentAnywhere 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. 10152025 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. Interest OnlyMortgage Repayment 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 Tooltip Mortgage / month Tooltip Interest Only / month Tooltip Principal Left to Repay Tooltip Interest Repayment Tooltip Property Management Service Tooltip Stamp Duty Tooltip 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 3% 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.