UK Rental Income Tax Calculator 2025/26
Calculate your tax liability on rental property income including the £1,000 property allowance, restricted mortgage interest relief, and wear & tear deductions.
Enter Your Rental Income Details
Salary, self-employment, etc. (determines tax band)
Insurance, repairs, agent fees, etc. (not mortgage)
20% tax credit (not deductible from income)
Mortgage Interest Relief Restriction
Since April 2020, landlords can no longer deduct mortgage interest from rental income. Instead, you receive a 20% tax credit on mortgage interest paid.
Allowable Expenses
✓Letting agent fees
✓Buildings insurance
✓Repairs & maintenance
✓Ground rent & service charges
✗Mortgage interest (credit only)
✗Capital improvements
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