UK
UK Rental Income Tax 2026–2027
Estimate tax on residential rental profits and finance-cost relief. Change the inputs below and the estimate updates immediately.
UK tax year 2026–2027 · April 6, 2026–April 5, 2027
Input
Your numbers
Calculated result
Annual rental tax impact
GBP 2,946.00
Total income tax after finance relief
GBP 8,432.00
Taxable rental profit
GBP 15,000.00
Finance-cost tax reduction
GBP 1,000.00
Unused finance costs (possible carry-forward)
GBP 0.00
Estimate only. Verify important decisions with an appropriate professional or official source.
How to use it
A quick estimate, without the spreadsheet.
Inputs and units
Enter annual residential rent, allowable operating expenses excluding mortgage finance costs, eligible interest/finance costs, other annual non-savings income and tax region.
Formula
Compute total income tax with rental profit, apply eligible finance-cost relief, and subtract income tax on other income alone. Finance relief cannot exceed total income tax.
Worked example
£18,000 rent minus £3,000 operating costs gives £15,000 taxable property profit before finance-cost relief.
Assumptions and limitations
For April 6, 2026–April 5, 2027. Individual resident landlords with non-savings income only. Does not apply the property allowance, losses, earlier finance-cost carry-forwards, savings/dividend rules, NI, companies or overseas arrangements. Enter only qualifying costs; capital repayments are not interest.
Official references
Checked October 8, 2026 for the scope stated above.
Keep calculating
Related tools
UK Income Tax & Take-home Pay 2026–2027
Estimate income tax and standard employee National Insurance, including Scotland.
Stamp Duty Calculator
Estimate England and Northern Ireland residential SDLT.
UK VAT Calculator
Add or remove VAT at standard, reduced or zero rates.
UK Mortgage Repayment Calculator
Estimate monthly repayment mortgage costs in GBP.