Property
What a property costs to buy, what it returns when it is let, and what the rent works out at when the month is only half used.
Property is where the rule against inventing data costs the most to keep. Transfer duties, property tax, the rate at which rent is taxed and the regime it is declared under are the four figures that decide whether a purchase works, and all four vary by country, by region and by year. Every one of them is a field on these pages. The arithmetic around them - the annuity, the yield, the comparison with renting - is the same everywhere, and that is what is computed here.
How much a given income can borrow, and what that plus a deposit actually buys once acquisition costs are paid.
Mortgage CalculatorWhat a property costs each month: the loan, the deposit, and the charges you pay alongside it.
Mortgage Overpayment CalculatorWhat an extra payment saves — as a shorter loan, and as a smaller instalment, which are not the same amount.
Prorated Rent CalculatorRent owed for a part month, under either of the two conventions leases actually use — and it says which one it applied.
Rent or Buy CalculatorWhether buying beats renting over the years you would stay, counting the money the deposit would otherwise have earned.
Rental Yield CalculatorGross, net and after-tax yield on a let property, and what is actually left each month once the loan is paid.
Service Charge Split CalculatorShares a building's bill between its lots in proportion to their shares, with the column adding up to the bill exactly.