Rental Income Calculator
Annual gross and expected rental income across one or several properties.
Gross annual rent (fully let)
£13,200
Expected annual rent after voids
£12,672
Expected rent collected
£12,419
Expected monthly collected
£1,035
Lost to voids & arrears
£781
What this calculator tells you
Gross rent on paper and rent in the bank are two different numbers. Occupancy and arrears together typically remove 4–8% of headline rent from a normally run portfolio, and forecasting on the headline figure is how landlords end up short when the mortgage leaves the account.
How it works
- 1Gross annual rent = monthly rent × number of units × 12.
- 2Apply an occupancy percentage to reflect realistic void time.
- 3Apply an arrears allowance for rent that is late or never recovered.
- 4The result is the income you can sensibly plan around.
Worked example
Three properties at £1,100 each
- Gross: £1,100 × 3 × 12 = £39,600.
- At 96% occupancy: £38,016.
- Less a 2% arrears allowance: £37,256.
£2,344 — six percent of headline rent — never arrives. Plan for the £37,256.
Frequently asked questions
What occupancy rate should I assume?
95–97% is realistic for a well-managed single let in a normal letting market. Student and HMO properties are more seasonal and should be modelled month by month.
How should I record rent received?
Keep a dated record of every payment against every tenancy. RentDocs tracks rent payments automatically and builds the evidence trail you would need for arrears proceedings or an ombudsman complaint.
Related content
These calculators give general estimates for UK private landlords and letting agents, not legal, tax or financial advice. Figures depend on your circumstances and on the rules in your part of the UK — check the detail or take advice before acting.