See before-tax and after-tax cash flow
Compare rent with mortgage interest and running costs, then estimate what remains after Section 24 at your selected tax band.
UK buy-to-let portfolio tracker
See what the whole rental portfolio actually pays you.
Track every property's value, mortgage, rent and running costs, then see equity, yield, LTV and cash flow after an estimated Section 24 tax bill. One offline app for the portfolio and the dates attached to it.
One-time purchase Works offline UK property tax model No account
The actual portfolio dashboard, shown with three example properties.
The portfolio behind the headline
Compare every property without losing the totals
The tracker connects property-level figures to the overall portfolio, so a strong headline yield cannot hide weak cash flow or a fixed-rate date.
Read yield, equity, LTV and return together
Each property carries gross yield, net yield, cash-on-cash ROI, equity, loan-to-value and stressed interest cover.
Find what is driving the total
Compare properties on one dashboard and track the portfolio's recorded value over time.
Model purchase, income and sale figures
Calculate additional-property tax across England, Scotland and Wales, estimate rental income tax and review indicative CGT when a property is sold.
Keep mortgage and compliance dates visible
Track fixed-rate ends, gas safety, EICR, EPC and licence renewals, with overdue flags and calendar export.
Stress-test the rates before they change
Model a rate rise across the portfolio or compare a new mortgage deal with the current payment and cash flow.
Property by property
See which rental is carrying the portfolio
Each property card applies the same analysis, so the differences are easy to compare and the assumptions stay attached to the address.
- Cash flow before tax and after the estimate
- Interest cover against a typical stressed lender test
- Mortgage balance, rate, payment and fixed-rate end
- Running costs, purchase tax and cash invested
- Value history from purchase to the latest estimate
UK-specific calculations
Model the property taxes that change the answer
The tracker is an organiser and estimator, not tax software or a filed return.
- Additional-property SDLT for England and Northern Ireland
- LBTT and Additional Dwelling Supplement for Scotland
- Higher residential LTT rates for Wales
- Section 24 mortgage-interest credit in the rental income estimate
- Indicative residential-property CGT when you mark a property sold
- Capital improvements and selling costs included in the gain estimate
Try the property maths first
Use the free UK property calculators
Check one decision in the browser. The paid tracker keeps the properties, history, reminders and portfolio totals together around those calculations.
Free calculator Rental yield Gross and net yield, monthly cash flow and cash-on-cash ROI. Open tool Free calculator Stamp duty SDLT, LBTT or LTT across England, Scotland and Wales. Open tool Free calculator Mortgage affordability Two borrowing estimates reconciled into one planning range. Open tool Free calculator Mortgage overpayment Interest saved, time cut and the new mortgage finish date. Open tool
How it works
Download it once and open it in your browser
No installation, app store or account is required.
Buy and download
Etsy delivers the digital download after purchase, with the tracker, quick-start guide, licence and support details.
Add each property
Enter its purchase, value, mortgage, rent, running costs and important dates. Money is entered in pounds.
Review and update
Update valuations and rates as they change, export reminders, print the portfolio schedule and keep a separate backup.
Private by design
Your property records stay on your device
The tracker runs locally in your browser. It has no account, cloud database, analytics or bank connection, and it does not upload property addresses, mortgage figures or rental income.
It does not sync automatically between computers or import data from property portals. Export a backup from one device and import it on another when you want to move the records.
Frequently asked
Before you buy
Which computers and browsers does it work on?
It works on Windows, Mac and Linux computers in a modern version of Chrome, Edge, Safari or Firefox.
Does it connect to my bank, mortgage lender or property portal?
No. The tracker is deliberately offline. You enter and update the property, mortgage, rent, cost and valuation figures you want to track.
Does it prepare or file a tax return?
No. The income-tax and CGT figures are estimates from the information you enter. The tracker is an organiser and decision aid, not tax advice, accounting software or an HMRC filing tool.
Does it model limited-company ownership?
No. The current version models properties held personally, including Section 24. It does not compare personal ownership with an SPV or model corporation tax and dividend extraction.
What happens when I sell a property?
Mark it sold, then add the sale price, selling costs and qualifying capital improvements. The property leaves the active portfolio totals and shows an indicative gain and residential-property CGT estimate.
Can I print a portfolio schedule?
Yes. The summary brings property values, mortgage balances, rates, rent, payments, LTV, interest cover and portfolio totals into a printable schedule for your records or a broker conversation.
What is included in the download?
The single-file portfolio tracker app, a quick-start guide, and licence and support details. Etsy delivers the download after purchase.
Put the whole rental portfolio on one set of figures
Buy the UK Buy-to-Let Portfolio Tracker on Etsy, download it once and keep using it without an account or subscription.
Buy on Etsy