Free calculatorReviewed 28 August 2026

Free HMO finance tool

Understand what your HMO is really earning

See gross yield, net yield and monthly cash flow using figures you control.

Figures are illustrative only and are not financial, mortgage or investment advice.

Enter assumptions

Add your figures and calculate the resulting yield and cash-flow view.

Your HMO Details

Enter your property figures to calculate gross yield, net yield, and monthly cashflow.

Purchase Price(£)

Lettable Rooms

Avg Weekly Rent per Room(£)

Est. gross rent: £33.8k/yr

Monthly Mortgage(£)

Enter 0 if cash purchase

Management Fee (% of rent)

10%

Enter 0 if self-managed

Monthly Maintenance(£)

Annual Void Rate

15%

Use the vacancy assumption you want to test

Other Monthly Costs(insurance, utilities)

03Read the resultCompare gross and net figures, then test how costs and vacancy affect the outcome.

Gross yield

Annual rent divided by purchase price before costs.

Net yield

The annual result after the operating costs entered.

Monthly cash flow

The estimated monthly balance after the costs entered.

Calculation methodology

Gross yield, net yield and cash flow are calculated from the user-provided figures shown in the analyser.

04Check practical guidanceReview context, limitations and the next practical action.

Review HMO profitability guidanceCheck definitions, costs and due-diligence questions.Track portfolio performanceConnect the calculation to Social Home analytics.

05Connect the Social Home workflowMove from a one-off answer to visible, repeatable property work.

Keep the decision connected

Use Social Home to record the next action, connect evidence and monitor the wider portfolio workflow.

Only this tool’s identity is shared. Inputs, addresses, money values and results stay on this page.

Or explore the platform workflow

Continue the same decision with another focused tool.

HMO Deal Profitability CalculatorModel cash flow, yield, return on investment and break-even occupancy before committing.BRR Social Housing CalculatorModel buy, refurbish and refinance assumptions for social housing and exempt accommodation.Short-Let vs Long-Let ComparatorCompare annual cash flow, net yield and break-even occupancy across two letting strategies.Void Period Cost CalculatorSee how lost rent and fixed costs accumulate while a room or property is empty.

Frequently asked questions

Quick context for using this page responsibly.

What is the difference between gross and net yield?

Gross yield compares annual rent with purchase price before costs. Net yield also reflects the operating costs entered in the analyser.

Is the result a market benchmark?

No. It is a calculation from the figures entered and should be checked against current local evidence before it is used in a decision.