Free Tool — No Signup Required
See Your Future Cashflow. Year by Year.
The UK property investor's long-term cashflow engine — project rental income, expenses, mortgage paydown, and wealth accumulation over 1 to 30 years.
Unlock Cashflow ProjectionIncome Forecast
Propty projects your rental income against every expense — mortgage, management fees, insurance, maintenance, voids, and ground rent. The result is your true monthly and annual cashflow, not a best-case fantasy.
Wealth Building
Property wealth comes from three sources: cashflow, mortgage paydown, and capital growth. Propty models all three over your chosen time horizon — showing when you cross key milestones and what your portfolio is worth at any point.
Most UK investors target £200-£500/month net cashflow per property after all expenses. This varies hugely by location — Northern properties often cashflow better while Southern properties rely more on capital growth. Our projection tool shows your exact figure based on real numbers.
A common rule of thumb is 10-15% of gross rent for maintenance and repairs. On a property renting at £1,000/month, that's £100-£150/month set aside. Older properties may need more. Our tool lets you set your own maintenance percentage based on the property condition.
UK rents have historically grown at 2-4% per year on average, though recent years have seen higher growth in many areas. The ONS reports annual rental growth figures by region. For conservative projections, use 2-3%. Our tool lets you set any rate and see the long-term impact.
A void period is when your property is empty between tenants. Even one month of void per year reduces your annual income by 8.3%. Two months costs you 16.7%. Our projection tool factors in your expected void rate and shows the real impact on annual cashflow.
A property becomes fully passive when the mortgage is paid off — typically 20-25 years on a repayment mortgage. At that point, your rental income minus expenses (insurance, maintenance, management) is pure cashflow. Our tool shows you exactly when that milestone hits.