What is the Monte Carlo tab?

It runs hundreds of simulated cashflow paths with random shocks to interest rates, voids and rent growth each year, then shows percentile bands (P10–P90), a terminal wealth histogram and the chance of ending underwater. Educational only - not a forecast.

How do scenario presets work?

Base uses your inputs as entered. Optimistic softens rates and voids. Pessimistic raises rates, voids and applies a rent cut. Custom stress lets you drag the sliders yourself - charts update live.

Not in this tool. Pair with the landlord tax or limited-company vs personal calculators for tax illustrations.

Free tools/Buy to Let Deal Analyser

Buy to Let Deal Analyser

Professional buy-to-let deal studio: multi-year cashflow lines, one-click stress scenarios, year-1 cash bridge, and a Monte Carlo fan chart for rate / void / growth uncertainty.

Deal studio

Cashflow · scenarios · Monte Carlo

Gross yield

5.76%

Y1 net cashflow

£2,547

CoC 4.1%

10y cumulative (base)

£38,683

Active scenario end

-£34,627

pessimistic path

Annual net cashflow

Base case line - zero reference for break-even years

Cumulative cashflow

Running equity from operations (before tax)

Year 1 cash bridge

Rent → voids → maintenance → management → other → mortgage → net

Deal snapshot

Deposit: £62,500
Loan: £187,500
LTV: 75.0%
5y cumulative: £15,548
Break-even year: Year 1
Negative CF years: 0

Switch to Scenarios for optimistic / pessimistic overlays, or Monte Carlo for percentile bands and loss probability.

From yield to risk bands

Yield answers year one. Scenario lines show how optimistic and pessimistic paths diverge. Monte Carlo answers a harder question: if rates, voids and rent growth wobble every year, how often does the deal still finish ahead?

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Frequently asked questions

What is the Monte Carlo tab?: It runs hundreds of simulated cashflow paths with random shocks to interest rates, voids and rent growth each year, then shows percentile bands (P10–P90), a terminal wealth histogram and the chance of ending underwater. Educational only - not a forecast.
How do scenario presets work?: Base uses your inputs as entered. Optimistic softens rates and voids. Pessimistic raises rates, voids and applies a rent cut. Custom stress lets you drag the sliders yourself - charts update live.
Is tax included?: Not in this tool. Pair with the landlord tax or limited-company vs personal calculators for tax illustrations.

Illustrative only - not mortgage, tax or financial advice. Figures depend on your lender, tax status and circumstances. Always check with a qualified adviser before acting.