Landlord Tax Calculator UK 2026/27
Landlord Tax Calculator UK 2026/27: what you will owe on your rental income after Section 24, and what to set aside each month. Excel and Google Sheets.
Type in your rent, allowable costs and mortgage interest for up to 10 properties, your share of each, and your other income. The sheet works out the income tax on your rental profit for 2026/27, the Section 24 reduction (20% of the lowest of your finance costs, your property profit and your income above the personal allowance), your effective rate, a monthly set-aside figure and your payments on account.
Inside: Inputs (England, Wales and Northern Ireland, or Scotland; salary, pension and self-employment profit; ownership shares; actual costs or the £1,000 property allowance), Calculation (the working, band by band, with unused finance costs carried forward), Results (tax due, effective rate, monthly set-aside, payments on account on 31 January and 31 July with the £1,000 and 80% exemptions), Comparison (the same inputs with and without your mortgage interest, so you see what Section 24 costs you) and Settings (every rate with its gov.uk source, read on 2026-11-06).
You type only in the pale yellow cells. Everything else is locked with no password, and there are no macros. A made-up example landlord is in the file, and a blank copy comes in the same download. The maths matches the free landlord tax calculator on highstreetstack.com.
This covers 2026/27 only. Property income tax rates change from April 2027, but two gov.uk pages disagree on the new rates, so nothing for 2027/28 is modelled. A 2027/28 version will follow once HMRC confirms the rates.
It is not a Self Assessment return and sends nothing to HMRC. It does not work out Class 4 NI, student loan, savings or dividend tax, or capital gains, and it does not cover furnished holiday lets, Rent a Room, partnerships or companies.
Two .xlsx files, instant download. Excel 2016 or later; for Google Sheets use File, Import, Replace spreadsheet.
Estimate for planning, not tax advice.