Calculate your rental break-even.
Find out how many months your property needs to be tenanted to cover all costs. Includes mortgage, insurance, maintenance, management fees and void periods.
Property Costs
The monthly rent you charge (or expect to charge)
Total mortgage payments per year (interest + capital)
Landlord insurance premium per year
Repairs, safety certificates, and general upkeep
Letting agent fee as a % of monthly rent (typically 8–12%)
Average empty weeks per year (typically 2–6 weeks)
Results
Break-Even Point
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Understanding Break-Even Analysis
Total Your Costs
Add up all annual property costs: mortgage payments, insurance, maintenance, management fees, and the cost of void periods. This gives you the minimum income needed to break even.
Find Break-Even Point
Divide total annual costs by monthly rent to find how many months of occupancy you need. The fewer months required, the more resilient your investment is to void periods.
Stress-Test Scenarios
Check profitability under different void period assumptions. A property that stays profitable with 2 months empty has a much healthier margin than one that needs full occupancy.
Common questions
Break-even is the point at which your rental income covers all your property costs — including mortgage payments, insurance, maintenance, management fees, and void periods. It's usually expressed as the minimum number of months per year the property must be tenanted to avoid a loss.
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