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Section 24 Shock Calculator for Landlords

See why mortgage interest can still leave landlords with a surprise tax bill

Enter a simple salary, rental income, property expenses and finance costs to compare a simplified "before Section 24" view with the current finance-cost restriction approach.

The calculator is designed to show why taxable profit can feel disconnected from cash flow when finance costs are restricted. It is a planning aid for landlords reviewing records, not a full tax computation.

Keep the result with your wider rent, expense, and portfolio notes so you can discuss the right figures with a qualified adviser. Tenaqo helps landlords keep those records connected to the properties and decisions they support.

Calculate the impact

This tool provides general guidance only and is not tax advice. It does not submit anything to HMRC. Always confirm your position with HMRC guidance or a qualified accountant before making tax decisions.

This estimate uses the same simplified non-Scottish income tax band structure for all available years.