{"id":1458,"date":"2019-08-15T15:28:26","date_gmt":"2019-08-15T14:28:26","guid":{"rendered":"https:\/\/taxfix.com\/en-uk\/?page_id=1458"},"modified":"2026-10-28T14:45:18","modified_gmt":"2026-10-28T14:45:18","slug":"rental-income-tax","status":"publish","type":"page","link":"https:\/\/taxfix.com\/en-uk\/calculator\/rental-income-tax\/","title":{"rendered":"Rental income tax calculator"},"content":{"rendered":"<div class=\"c-block-body   m-narrow\">\n\n    <div class=\"c-container\">\n\n        <div class=\"c-block-body__content\">\n\n            \n            <div class=\"c-body\"><p><span style=\"font-weight: 400;\">Whether you&#8217;re renting out a whole property or a spare room in your home, our rental income tax calculator helps you estimate how much tax you may owe HMRC. It factors in the \u00a31,000 Property Income Allowance and the Rent-a-Room Scheme threshold of up to \u00a37,500, so you can understand your potential tax bill in under 60 seconds.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What you need to know before you start<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tax-free allowances:\u00a0 <\/b><span style=\"font-weight: 400;\">\u00a31,000 <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/landlord-tax-returns\/property-income-allowance\/\"><span style=\"font-weight: 400;\">Property Income Allowance<\/span><\/a><span style=\"font-weight: 400;\"> for buy-to-let landlords | \u00a37,500 tax-free under the Rent-a-Room Scheme for live-in landlords<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What counts as rental income: <\/b><span style=\"font-weight: 400;\">rent payments, service charges your tenant pays you, and fees for use of furniture<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What you can deduct: <\/b><span style=\"font-weight: 400;\">letting agent fees, repairs and maintenance (like-for-like only), landlord insurance, utilities included in the rent, and mortgage interest (as a 20% tax credit)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Key deadline: <\/b><span style=\"font-weight: 400;\">file and pay by 31 January 2027 for the 2025\/26 <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/self-assessment-basics\/when-does-the-tax-year-end-in-the-uk\/\"><span style=\"font-weight: 400;\">tax year<\/span><\/a><\/li>\n<\/ul>\n<\/div>\n\n            \n        <\/div>\n    <\/div>\n<\/div> <!-- .c-block-body -->\n\n\n\n<div data-react=\"tooltip-provider\"><\/div>\n\n    <div class=\"c-block-calculator\">\n\n    <div class=\"c-block-calculator__container\">\n\n\n    <div data-react=\"landlord-calculator\" data-options='{\n        \"title\": \"\",\n        \"lead\": \"\"\n    }'>\n        <!-- Default calc code -->\n\n        <div class=\"sc-giYgFv fzUHXQ\"><div class=\"sc-ezbkgU bcxCiI\"><div class=\"sc-bYoCmx RakSM\"><div width=\"100%\" aria-expanded=\"false\" class=\"DropdownSelect__Container-sc-1iiysit-0 evEFoA\"><button width=\"100%\" class=\"DropdownSelect__LabelContainer-sc-1iiysit-1 egNJwI\"><span class=\"DropdownSelect__Label-sc-1iiysit-2 loOBxi\">Tax year 2024\/25<\/span> <span class=\"DropdownSelect__Arrow-sc-1iiysit-3 hcHQYJ\">\u25bc<\/span><\/button><\/div><\/div><\/div><div class=\"sc-dPiKHq jvrqXK\"><div class=\"sc-bBHHQT eyRCSV\"><h3 class=\"sc-khQdMy idLFkV\">Your situation<\/h3><img decoding=\"async\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMzQiIGhlaWdodD0iNzYiIHZpZXdCb3g9IjAgMCAzNCA3NiIgZmlsbD0ibm9uZSIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj48cGF0aCBkPSJNMzIuMjUgMzQuOTMzNVYxLjg0OTYxSDIwLjE0OTlDMTcuNzQ5OSA5LjA0OTYxIDExLjA1IDEzLjY0OTYgMS43NSAxNC4xNDk2VjI2Ljk0OTZDNy45NSAyNi45NDk2IDEzLjg0OTkgMjUuMDQ5NiAxNy44NDk5IDIxLjg0OTZWMzQuOTMzNU0xNy44NDk5IDU1LjUxODhWNzQuMDQ5NkgzMi4yNVY1OS40OTQ1VjU1LjUxODgiIHN0cm9rZT0iYmxhY2siIHN0cm9rZS13aWR0aD0iMiIgc3Ryb2tlLWxpbmVjYXA9InJvdW5kIiBzdHJva2UtbGluZWpvaW49InJvdW5kIi8+PC9zdmc+\" alt=\"Outlined number one\" class=\"sc-cNKpQo gvneOt\"><img decoding=\"async\" src=\"data:image\/svg+xml;base64,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\" alt=\"Image of an arrow\" class=\"sc-AjmZR ctylzc\"><\/div><div class=\"sc-hUpaWb\"><form><div class=\"Form__FormRow-sc-32vt5e-0 ddlwSx\"><div class=\"Form__FormRowTitle-sc-32vt5e-2 coHrqe\">What kind of landlord are you?<\/div><div class=\"Form__FormRowItem-sc-32vt5e-3\"><div class=\"Form__FormInlineControlContainer-sc-32vt5e-8 decpgp\"><div class=\"Radio__Container-sc-1d2f0wy-0 iLSPPf\"><input type=\"radio\" id=\"typebuyToLet\" name=\"type\" class=\"Radio__Input-sc-1d2f0wy-1 brdvpz\" value=\"buyToLet\"><label for=\"typebuyToLet\" class=\"Radio__Label-sc-1d2f0wy-2 fpqjiq\">Buy to let<\/label><\/div><\/div><div class=\"Form__FormInlineControlContainer-sc-32vt5e-8 decpgp\"><div class=\"Radio__Container-sc-1d2f0wy-0 iLSPPf\"><input type=\"radio\" id=\"typeroomInMyHome\" name=\"type\" class=\"Radio__Input-sc-1d2f0wy-1 brdvpz\" value=\"roomInMyHome\"><label for=\"typeroomInMyHome\" class=\"Radio__Label-sc-1d2f0wy-2 fpqjiq\">Room in my home<\/label><\/div><\/div><\/div><\/div><div class=\"sc-kLwgWK gVgARU\"><div class=\"Form__FormRowTitle-sc-32vt5e-2 coHrqe\">Monthly rental income<\/div><div class=\"Form__FormRowItem-sc-32vt5e-3\"><div class=\"Input__Container-sc-11yg3hb-0 jiJACg\"><input type=\"number\" min=\"0\" pattern=\"[0-9]*\" name=\"rentalIncomeMonthly\" class=\"Input__InputElement-sc-11yg3hb-1 gvuJbz\"><div class=\"Input__Suffix-sc-11yg3hb-4 eEnjn\">\u00a3<\/div><\/div><\/div><\/div><div class=\"sc-kLwgWK gVgARU\"><div class=\"Form__FormRowTitle-sc-32vt5e-2 coHrqe\">Annual salary <div class=\"sc-eJwXpk byFCvI\"><span data-hint-default=\"Did you earn employment income?\"><div class=\"sc-nVjpj eKPbQR\">?<\/div><\/span><\/div><\/div><div class=\"Form__FormRowItem-sc-32vt5e-3\"><div class=\"Input__Container-sc-11yg3hb-0 jiJACg\"><input type=\"number\" min=\"0\" pattern=\"[0-9]*\" name=\"annualIncome\" class=\"Input__InputElement-sc-11yg3hb-1 gvuJbz\"><div class=\"Input__Suffix-sc-11yg3hb-4 eEnjn\">\u00a3<\/div><\/div><\/div><\/div><div class=\"sc-kLwgWK gVgARU\"><div class=\"Form__FormRowTitle-sc-32vt5e-2 coHrqe\">Other income <div class=\"sc-eJwXpk byFCvI\"><span data-hint-default=\"Do you have any other income sources e.g. self-employment?\"><div class=\"sc-nVjpj eKPbQR\">?<\/div><\/span><\/div><\/div><div class=\"Form__FormRowItem-sc-32vt5e-3\"><div class=\"Input__Container-sc-11yg3hb-0 jiJACg\"><input type=\"number\" min=\"0\" pattern=\"[0-9]*\" name=\"otherIncome\" class=\"Input__InputElement-sc-11yg3hb-1 gvuJbz\"><div class=\"Input__Suffix-sc-11yg3hb-4 eEnjn\">\u00a3<\/div><\/div><\/div><\/div><button type=\"button\" class=\"Button__Container-sc-1yfsg4-0 iROPPZ\"><div class=\"Loadable__Container-sc-113zh66-0 boOZMZ\"><div class=\"Loadable__Overlay-sc-113zh66-1 eNpsGm\"><div class=\"Loadable__SpinnerContainer-sc-113zh66-3 ixfJxf\"><div role=\"progressbar\" aria-busy=\"true\" aria-live=\"polite\" color=\"#003cd7\" class=\"Spinner__Container-sc-1v52frf-0 epXYIp\"><\/div><\/div><\/div><div class=\"Loadable__Content-sc-113zh66-2 dfBZsX\">Click to add expenses<\/div><\/div><\/button><\/form><\/div><\/div><div opacity=\"1\" class=\"sc-jgrIVw gcVyeu\"><div class=\"sc-gSQGeZ mqvVl\"><h3 class=\"sc-iNGGwv dFrXnM\">Tax and profit<\/h3><img decoding=\"async\" src=\"data:image\/svg+xml;base64,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\" alt=\"Outlined number two\" class=\"sc-lbhJmS hQoEOj\"><\/div><div class=\"sc-jeqYYF fOQSYu\"><ul class=\"sc-gWXaA-D byUbmH\"><li class=\"sc-cCcYRi TgcgA\"><div class=\"sc-iUKrWq jFZeFw\">Earnings from rent<\/div><div class=\"sc-efQUeY cGxXVa\">\u00a318,000<\/div><div class=\"sc-jcFkyM jRsQZY\"><div class=\"sc-caiKgP bVZKxP\">\u00a31,000 tax-free property allowance<\/div><\/div><\/li><li class=\"sc-cCcYRi hPEaJy\"><div class=\"sc-iUKrWq jFZeFw\">Property tax to pay<\/div><div class=\"sc-efQUeY cGxXVa\">\u00a34,346<\/div><\/li><li class=\"sc-cCcYRi hBbrsS\"><div class=\"sc-iUKrWq deKGkd\">After-tax rental income<\/div><div class=\"sc-efQUeY jpRyzu\"><div class=\"sc-hiwReK ePeGmo\">\u00a313,654<svg width=\"90\" height=\"9\" viewBox=\"0 0 90 9\" fill=\"none\"><path d=\"M88.7252 3.17505C88.7252 3.17505 57.0997 -2.90497 1.32031 7.71404\" stroke=\"black\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><\/div><\/li><\/ul><\/div><\/div><div class=\"sc-dJjZJu isonvD\"><button class=\"sc-hGPAah fmpGnU\"><img decoding=\"async\" src=\"data:image\/svg+xml;base64,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\" alt=\"Illustration\" class=\"sc-dlVyqM lhOciq\"><div class=\"sc-kfPtPH\"><div class=\"sc-fKVsgm kAXsua\">Calculation details<\/div><div class=\"sc-bBHwJV jdTgMA\"><span>Click here<\/span> to show how we&#8217;ve calculated your taxes<\/div><\/div><\/button><div class=\"sc-iwjezw jVHDsA\"><div class=\"sc-cTApHj\"><div class=\"c-body m-smaller\"><h2>How your rental income tax is calculated<\/h2><p>Your total rental income tax that you have to pay to HMRC depends on three things:<\/p><ul><li>How much you earned from rent<\/li><li>If you also live there or not<\/li><li>How much you earned from other income sources (salary, self-employment, etc., but not capital gains)<\/li><\/ul><p>In your case you earned <strong class=\"sc-jObXwK hgXXrT\">\u00a318,000<\/strong> from renting out a buy to let property, on top of <strong class=\"sc-jObXwK hgXXrT\">\u00a338,000<\/strong> from other sources.<\/p><h3>Rental income tax breakdown<\/h3><p>Your rental earnings are <strong class=\"sc-jObXwK hgXXrT\">\u00a318,000<\/strong><\/p><p>You can claim <strong class=\"sc-jObXwK hgXXrT\">\u00a31,000<\/strong> as a tax-free property allowance.<\/p><p>As a result, your taxable rental income will be: <strong class=\"sc-jObXwK hgXXrT\">\u00a317,000<\/strong><\/p><p>The first <strong class=\"sc-jObXwK hgXXrT\">\u00a312,270<\/strong> will be taxed at 20%: <strong class=\"sc-jObXwK hgXXrT\">\u00a32,454<\/strong> in rental income tax.<\/p><p>The next <strong class=\"sc-jObXwK hgXXrT\">\u00a34,730<\/strong> will be taxed at 40%: <strong class=\"sc-jObXwK hgXXrT\">\u00a31,892<\/strong> in rental income tax.<\/p><p>So your total tax bill ends up at <strong class=\"sc-jObXwK hgXXrT\">\u00a34,346<\/strong><\/p><\/div><\/div><\/div><\/div><div class=\"sc-dJjZJu fhTjF\"><button class=\"sc-hGPAah fmpGnU\"><img decoding=\"async\" src=\"data:image\/svg+xml;base64,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\" alt=\"Illustration\" class=\"sc-dlVyqM lhOciq\"><div class=\"sc-kfPtPH\"><div class=\"sc-fKVsgm kAXsua\">Tax savings<\/div><div class=\"sc-bBHwJV jdTgMA\"><span>Click here<\/span> to show how to save your money<\/div><\/div><\/button><div class=\"sc-iwjezw jVHDsA\"><div class=\"sc-giYgFv fzUHXQ\"><div class=\"sc-ehCIER juizXs\"><div class=\"Form__FormRow-sc-32vt5e-0 ddlwSx\">Tax bill amount <strong class=\"sc-jObXwK hgXXrT\">\u00a34,346<\/strong><\/div><div class=\"Form__FormRow-sc-32vt5e-0 ddlwSx\"><div class=\"Form__FormRowTitle-sc-32vt5e-2 coHrqe\">I want to pay by<\/div><div class=\"Form__FormRowItem-sc-32vt5e-3\"><div class=\"DatePicker__Container-sc-ix9an7-0 eYFeuM\"><div class=\"DatePicker__DayContainer-sc-ix9an7-1 cfckbu\"><select name=\"day\" width=\"100%\" aria-label=\"Day\" class=\"Select__Container-sc-c9lp90-0 iTqHPI\"><option value=\"\">Day<\/option><option value=\"1\">1<\/option><option value=\"2\">2<\/option><option value=\"3\">3<\/option><option value=\"4\">4<\/option><option value=\"5\">5<\/option><option value=\"6\">6<\/option><option value=\"7\">7<\/option><option value=\"8\">8<\/option><option value=\"9\">9<\/option><option value=\"10\">10<\/option><option value=\"11\">11<\/option><option value=\"12\">12<\/option><option value=\"13\">13<\/option><option value=\"14\">14<\/option><option value=\"15\">15<\/option><option value=\"16\">16<\/option><option value=\"17\">17<\/option><option value=\"18\">18<\/option><option value=\"19\">19<\/option><option value=\"20\">20<\/option><option value=\"21\">21<\/option><option value=\"22\">22<\/option><option value=\"23\">23<\/option><option value=\"24\">24<\/option><option value=\"25\">25<\/option><option value=\"26\">26<\/option><option value=\"27\">27<\/option><option value=\"28\">28<\/option><option value=\"29\">29<\/option><option value=\"30\">30<\/option><option value=\"31\">31<\/option><\/select><\/div><div class=\"DatePicker__MonthContainer-sc-ix9an7-2 ffRNEr\"><select name=\"month\" width=\"100%\" aria-label=\"Month\" class=\"Select__Container-sc-c9lp90-0 iTqHPI\"><option value=\"\">Month<\/option><option value=\"1\">Jan<\/option><option value=\"2\">Feb<\/option><option value=\"3\">Mar<\/option><option value=\"4\">Apr<\/option><option value=\"5\">May<\/option><option value=\"6\">Jun<\/option><option value=\"7\">Jul<\/option><option value=\"8\">Aug<\/option><option value=\"9\">Sep<\/option><option value=\"10\">Oct<\/option><option value=\"11\">Nov<\/option><option value=\"12\">Dec<\/option><\/select><\/div><div class=\"DatePicker__YearContainer-sc-ix9an7-3 FodKw\"><select name=\"year\" width=\"100%\" aria-label=\"Year\" class=\"Select__Container-sc-c9lp90-0 iTqHPI\"><option value=\"\">Year<\/option><option value=\"2026\">2026<\/option><option value=\"2025\">2025<\/option><option value=\"2024\">2024<\/option><\/select><\/div><\/div><\/div><\/div><div class=\"Form__FormRow-sc-32vt5e-0 ddlwSx\"><div class=\"Form__FormRowTitle-sc-32vt5e-2 coHrqe\">Savings frequency<\/div><div class=\"Form__FormRowItem-sc-32vt5e-3\"><select name=\"frequency\" width=\"100%\" class=\"Select__Container-sc-c9lp90-0 iTqHPI\"><option value=\"\">Choose\u2026<\/option><option value=\"1\">Daily<\/option><option value=\"7\">Weekly<\/option><option value=\"14\">Fortnightly<\/option><option value=\"30\">Monthly<\/option><option value=\"90\">Quarterly<\/option><\/select><\/div><\/div><\/div><div class=\"sc-lcequs GiOiG\"><p>You need to save<\/p><div class=\"sc-efQUeY jpRyzu\">\u00a36.53 per day<\/div><p>to pay your \u00a34,346.00 tax bill by 31\/1\/2026 which is in 666 days<\/p><\/div><\/div><\/div><\/div><\/div>\n\n        <!-- END Default calc code -->\n    <\/div>\n\n\n    <\/div> <!-- .c-container -->\n<\/div> <!-- .c-block-calculator -->\n\n\n\n\n<div class=\"b-cta m-imageless\">\n\n    <div class=\"c-container m-mobile-wide\">\n\n        <div class=\"b-cta__inner m-light-mint\">\n\n            <div class=\"b-cta__content\">\n\n                \n                \n                <div class=\"b-cta__body\">\n                    <div class=\"b-block-body\"><p><b>Not sure if this is right?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Get your calculation reviewed by an accredited accountant in a 30-minute consultation for \u00a3139, so you know exactly where you stand.<\/span><i><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/i><a href=\"https:\/\/taxfix.com\/en-uk\/tax-consultation-advice\/\"><span style=\"font-weight: 400;\">Book a consultation \u2192<\/span><\/a><\/p>\n<p><b>Ready to file?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Let an accredited accountant prepare and file your Self Assessment return for you. Fixed fee, no surprises.<\/span><i><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/i><a href=\"https:\/\/taxfix.com\/en-uk\/assessment\/signup\"><span style=\"font-weight: 400;\">Get started \u2192<\/span><\/a><\/p>\n<p><b>Not sure what your result means for you<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Watch our free guide for accidental landlords \u2014 covering what to declare, what you can claim, and when you need to file.<\/span><\/p>\n<p><a href=\"https:\/\/youtu.be\/DooX5wdaBqw\"><span style=\"font-weight: 400;\">Watch the free guide \u2192<\/span><\/a><\/p>\n<\/div>\n                <\/div>\n\n                \n                \n            <\/div>\n\n            \n        <\/div>\n    <\/div>\n<\/div> <!-- .b-cta -->\n\n\n\n<div class=\"b-cta m-imageless\">\n\n    <div class=\"c-container m-mobile-wide\">\n\n        <div class=\"b-cta__inner m-dark-mint\">\n\n            <div class=\"b-cta__content\">\n\n                \n                <h3 class=\"b-cta__title\">Not sure if you&#8217;re getting your rental income tax right?<\/h3>\n\n                \n                \n                <div class=\"b-cta__body\">\n                    <div class=\"b-block-body\"><p><span style=\"font-weight: 400;\">Many landlords miss <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/expenses\/allowable-property-expenses-for-rental-income\/\"><span style=\"font-weight: 400;\">allowable expenses<\/span><\/a><span style=\"font-weight: 400;\">, apply mortgage interest relief incorrectly, or simply overpay because they&#8217;re not sure what they can claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our ACCA, CIMA or CTA <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/my-taxscouts-account\/whats-an-accredited-accountant\/\"><span style=\"font-weight: 400;\">accredited accountants<\/span><\/a><span style=\"font-weight: 400;\"> can help. Book a 30-minute consultation and get clarity on your landlord tax position \u2013 from someone who knows it inside out.<\/span><\/p>\n<\/div>\n                <\/div>\n\n                \n                \n                <div class=\"b-cta__action\">\n\n                    <a data-js=\"openAuth\" data-location=\"\" data-view=\"signup\" href=\"https:\/\/taxfix.com\/en-uk\/assessment\/signup\" class=\"gtm-get-started-button c-button  m-large\" onClick=\"javascript:setVariant('taxConsultation');\">Book now<\/a>\n\n\n                <\/div>\n\n                \n            <\/div>\n\n            \n        <\/div>\n    <\/div>\n<\/div> <!-- .b-cta -->\n\n\n\n<div class=\"c-block-body m-white  m-narrow\">\n\n    <div class=\"c-container\">\n\n        <div class=\"c-block-body__content\">\n\n            \n            <div class=\"c-body\"><h2><span style=\"font-weight: 400;\">What taxes do I pay as a landlord?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you rent out a property or a room in your home, you may need to pay tax on what you earn. There are two taxes to be aware of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/taxfix.com\/en-uk\/glossary\/income-tax\/\"><b>Income Tax<\/b><\/a><span style=\"font-weight: 400;\">:\u00a0 on the profit you make from rental income each year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/taxfix.com\/en-uk\/glossary\/capital-gains-tax-cgt\/\"><b>Capital Gains Tax<\/b><\/a><span style=\"font-weight: 400;\">: on any profit you make when you sell a property<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Our calculator covers both types of landlord:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Landlord type<\/b><\/td>\n<td><b>Tax-free allowance<\/b><\/td>\n<td><b>What you pay tax on<\/b><\/td>\n<td><b>When you must file<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Renting out a whole property<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a31,000 Property Income Allowance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rental profit above \u00a31,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rental profit of more than \u00a32,500 after expenses, or gross rental income of \u00a310,000 or more.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Gross rental income of \u00a31,000 to \u00a32,500? Contact HMRC, you may not need to file.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Renting out a room in your home.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a37,500 Rent-a-Room Scheme<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rental income above \u00a37,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Gross rental income above \u00a37,500<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Good to know:<\/b><span style=\"font-weight: 400;\"> running a furnished holiday let or renting out a property on Airbnb? Since 6 April 2025, the Furnished Holiday Lettings regime no longer applies. Your rental income is now taxed as ordinary property income, the same rules as any other buy-to-let.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your qualifying income (gross rental and self-employment income) was <\/span><b>over \u00a350,000 <\/b><span style=\"font-weight: 400;\">in 2024\/25, you must follow <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/making-tax-digital\/\"><b>Making Tax Digital for Income Tax<\/b><\/a><span style=\"font-weight: 400;\"> from 6 April 2026. The threshold drops to<\/span><b> \u00a330,000 <\/b><span style=\"font-weight: 400;\">from April 2027, based on 2025\/26 income, and to <\/span><b>\u00a320,000<\/b><span style=\"font-weight: 400;\"> from April 2028 under current plans. Read our full <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/tax-changes\/everything-to-know-about-making-tax-digital-for-landlords\/\"><span style=\"font-weight: 400;\">guide to Making Tax Digital for landlords<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe loading=\"lazy\" title=\"Tax in 10(ish) seconds - what&#039;s a landlord?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/DooX5wdaBqw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div>\n<h2><span style=\"font-weight: 400;\">How does income tax work on rental income?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you earn rental income, you don&#8217;t just pay tax on the rent itself. You pay tax on your profit. That means you can deduct allowable expenses first, and what&#8217;s left is added to your other income and taxed at the <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/the-tax-basics\/income-tax-rates-in-the-uk\/\"><span style=\"font-weight: 400;\">Income Tax rates<\/span><\/a><span style=\"font-weight: 400;\"> that apply to you.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How rental income is taxed<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Your rental profit is added to all your other income and taxed together. Your salary, pension or any other earnings all count towards which band you fall into.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are two examples using realistic figures for the 2025\/26 tax year (England, Wales and Northern Ireland).<\/span><\/p>\n<p><b>Example 1: Employed landlord<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Emma earns a<\/span><b> \u00a338,000 salary<\/b><span style=\"font-weight: 400;\"> and receives <\/span><b>\u00a312,480 in rental income<\/b><span style=\"font-weight: 400;\">. After claiming \u00a32,000 in allowable expenses, her <\/span><b>rental profit is \u00a310,480<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Total income<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a348,480<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal Allowance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a312,570<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Taxable income<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a335,910<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tax at 20% (basic rate)<\/span><\/td>\n<td><b>\u00a37,182<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Emma&#8217;s rental profit falls entirely within the <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/glossary\/basic-tax-rate\/\"><span style=\"font-weight: 400;\">basic rate band<\/span><\/a><span style=\"font-weight: 400;\">. She pays 20% on \u00a310,480 = <\/span><b>\u00a32,096 in tax on her rental income<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>Example 2: Retired landlord\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">David receives a<\/span><b> \u00a310,000 pension<\/b><span style=\"font-weight: 400;\"> and <\/span><b>\u00a312,480 in rental income<\/b><span style=\"font-weight: 400;\">. After expenses of \u00a31,500, his<\/span><b> rental profit is \u00a310,980<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Total income<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a320,980<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal Allowance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a312,570<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Taxable income<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a38,410<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tax at 20% (basic rate)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a31,682<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">David&#8217;s pension uses \u00a310,000 of his <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/glossary\/personal-allowance\/\"><span style=\"font-weight: 400;\">Personal Allowance<\/span><\/a><span style=\"font-weight: 400;\">, leaving \u00a32,570 to set against his rental profit. The remaining \u00a38,410 of rental profit is taxed at 20%, so he pays <\/span><b>\u00a31,682 in tax on his rental income<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Mortgage interest relief: how the 20% tax credit works<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Until 5 April 2017, landlords could deduct their mortgage interest from rental profit before working out their tax. From <\/span><b>6 April 2017<\/b><span style=\"font-weight: 400;\"> this changed. Mortgage interest is no longer deducted. Instead, you get a <\/span><b>basic rate tax credit of 20%<\/b><span style=\"font-weight: 400;\"> of the interest you paid. The change was phased in over several years and has applied in full since 2020\/21.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The credit is worth <\/span><b>20%<\/b><span style=\"font-weight: 400;\"> of the interest you pay, whatever your tax rate. For a basic rate taxpayer this matches the old deduction. For a higher rate taxpayer it gives less relief than before.<\/span><\/p>\n<p><b>Example: Emma, with a mortgage<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Emma&#8217;s figures are the same as above: a \u00a338,000 salary and \u00a310,480 of rental profit. She also pays<\/span><b> \u00a38,000 of mortgage interest<\/b><span style=\"font-weight: 400;\"> in the year.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Rental profit (before mortgage interest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a310,480<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Total income (salary + rental profit)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a348,480<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Taxable income (after Personal Allowance of \u00a312,570)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a335,910<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Income Tax before the credit (20%)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a37,182<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mortgage interest credit (20% \u00d7 \u00a38,000)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013\u00a31,600<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Income Tax to pay<\/b><\/td>\n<td><b>\u00a35,582<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">The \u00a31,600 credit reduces Emma&#8217;s final tax bill directly. It is not a deduction from her rental profit.<\/span><\/p>\n<p><b>Good to know:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The credit only covers the interest part of your mortgage payments. Capital repayments do not qualify.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The credit is capped at the lowest of three amounts: your finance costs, your property profit, or your adjusted total income above the Personal Allowance. Any unused amount can be carried forward to future years.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Not sure how much mortgage interest you paid last year?<\/span><a href=\"https:\/\/taxfix.com\/en-uk\/tax-consultation-advice\/\"><span style=\"font-weight: 400;\"> Book a consultation with an accredited accountant<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Joint ownership: how to split rental income (and save tax)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you own a rental property with someone else, HMRC assumes you share the income equally, 50\/50.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If one owner pays a <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/glossary\/higher-rate-tax\/\"><span style=\"font-weight: 400;\">higher rate of Income Tax<\/span><\/a><span style=\"font-weight: 400;\"> than the other, a different split may reduce your combined tax bill. If you want income and expenses shared differently, you can declare this to HMRC on<\/span><b> Form 17 <\/b><span style=\"font-weight: 400;\">(Declaration of beneficial interests in joint property and income). You cannot choose a split just to save tax.<\/span><\/p>\n<p><b>Example: higher-rate and basic-rate partners (2025\/26, England, Wales and Northern Ireland)<\/b><\/p>\n<p><b>Partner A <\/b><span style=\"font-weight: 400;\">earns a \u00a350,000 salary and<\/span><b> Partner B<\/b><span style=\"font-weight: 400;\"> earns a \u00a320,000 salary. The property brings in \u00a320,000 of rent a year.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td><b>50\/50 split<\/b><\/td>\n<td><b>10\/90 split<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Partner A&#8217;s share of rent<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a310,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a32,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Partner A&#8217;s tax on that rent<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a33,946<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a3746<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Partner B&#8217;s share of rent<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a310,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a318,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Partner B&#8217;s tax on that rent<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a32,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a33,600<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Total tax on rental income<\/b><\/td>\n<td><b>\u00a35,946<\/b><\/td>\n<td><b>\u00a34,346<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For Partner A, the first \u00a3270 of rental profit is taxed at 20% and the rest at 40%, because the salary already uses most of the basic rate band. Partner B&#8217;s whole share falls within the basic rate band.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a 10\/90 split, the couple pays<\/span><b> \u00a31,600 less in tax on the rental <\/b><span style=\"font-weight: 400;\">income each year, if the split reflects how the property is genuinely owned.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Want to see whether a different ownership split could work for you? <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/tax-consultation-advice\/\"><span style=\"font-weight: 400;\">Book a consultation<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">What if I&#8217;m a live-in-landlord?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you rent out a furnished room in your main home, the <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/landlord-tax-returns\/government-rent-a-room-scheme\/\"><b>Rent-a-Room Scheme<\/b><\/a> <span style=\"font-weight: 400;\">lets you earn up to<\/span><b> \u00a37,500 a year tax-free<\/b><span style=\"font-weight: 400;\"> (\u00a33,750 each if you share the income with a joint owner). If your gross rental income stays at or below this limit, you don&#8217;t need to tell HMRC, unless you already file a <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/glossary\/self-assessment\/\"><span style=\"font-weight: 400;\">Self Assessment<\/span><\/a><span style=\"font-weight: 400;\"> return.<\/span><\/p>\n<p><b>What counts as furnished accommodation?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The room must be furnished, in your only or main home, and you must live there while it&#8217;s let.<\/span><\/p>\n<p><b>What if I earn more than \u00a37,500?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">You can choose between two options:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use the allowance:<\/b><span style=\"font-weight: 400;\"> pay tax on the income above \u00a37,500. You cannot deduct expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pay tax on profit:<\/b><span style=\"font-weight: 400;\"> deduct your allowable expenses from your rental income, then pay tax on what&#8217;s left.<\/span><\/li>\n<\/ul>\n<p><b>Example:<\/b><span style=\"font-weight: 400;\"> Priya earns \u00a312,000 from a furnished room and has \u00a38,000 of expenses. She pays tax at the basic rate of 20%.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Using the allowance:<\/b><span style=\"font-weight: 400;\"> \u00a312,000 \u2212 \u00a37,500 = \u00a34,500 taxable, so <\/span><b>\u00a3900 tax<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Paying tax on profit:<\/b><span style=\"font-weight: 400;\"> \u00a312,000 \u2212 \u00a38,000 = \u00a34,000 taxable, so <\/span><b>\u00a3800 tax<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Paying tax on profit saves Priya<\/span><b> \u00a3100<\/b><span style=\"font-weight: 400;\">. This option only works in your favour when your expenses are higher than \u00a37,500. You can switch between the two methods from one tax year to the next, but you must tell HMRC within the time limit.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">I&#8217;m selling my property. What now?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you sell a rental property for more than you paid for it, you may need to pay<\/span><b> Capital Gains Tax <\/b><span style=\"font-weight: 400;\">on the profit. Our <\/span><a href=\"https:\/\/taxfix.com\/en-uk\/calculator\/uk-capital-gains-tax-rates-calculator\/\"><span style=\"font-weight: 400;\">Capital Gains Tax calculator <\/span><\/a><span style=\"font-weight: 400;\">helps you estimate what you could owe.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you also need to file a Self Assessment return, an accredited accountant can prepare and file it for you.<\/span><\/p>\n<\/div>\n\n            \n        <\/div>\n    <\/div>\n<\/div> <!-- .c-block-body -->\n\n\n\n<div class=\"b-cta m-center\">\n\n    <div class=\"c-container m-mobile-wide\">\n\n        <div class=\"b-cta__inner m-light-mint\">\n\n            <div class=\"b-cta__content\">\n\n                \n                <h3 class=\"b-cta__title\">Landlords filing their Self Assessment with Taxfix get:<\/h3>\n\n                \n                \n                <div class=\"b-cta__body\">\n                    <div class=\"b-block-body\"><ul>\n<li><span style=\"font-weight: 400;\">A review of your mortgage interest relief by an accredited accountant<\/span><\/li>\n<li><span style=\"font-weight: 400;\">A check for allowable expenses you might otherwise miss<\/span><\/li>\n<li><span style=\"font-weight: 400;\">A joint ownership split review, if you own the property with someone else<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Filing covered by our Accuracy Guarantee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">A fixed fee, with no surprises<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Need to file your Self Assessment as a landlord?<\/span><a href=\"https:\/\/taxfix.com\/en-uk\/assessment\/signup\"> <span style=\"font-weight: 400;\">Let an accredited accountant handle it for a fixed fee.<\/span><\/a><\/p>\n<\/div>\n                <\/div>\n\n                \n                \n                <div class=\"b-cta__action\">\n\n                    <a href=\"https:\/\/taxfix.com\/en-uk\/platform\/taxscouts-vs-hmrc-self-assessment-whats-the-difference\/\" class=\"c-button m-large  m-mobile-fullwidth\">Learn more<\/a>\n\n\n                <\/div>\n\n                \n            <\/div>\n\n            \n            <div class=\"b-cta__media\">\n                <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/taxfix.com\/en-uk\/wp-content\/uploads\/HelloPrimo.png\" width=\"936\" height=\"708\" alt=\"\" srcset=\"https:\/\/taxfix.com\/en-uk\/wp-content\/uploads\/HelloPrimo-300x227.png 300w, https:\/\/taxfix.com\/en-uk\/wp-content\/uploads\/HelloPrimo-768x581.png 768w, https:\/\/taxfix.com\/en-uk\/wp-content\/uploads\/HelloPrimo.png 936w\" class=\"b-cta__media-image\" sizes=\"auto, (min-width: 1240px) 518px, (min-width: 1000px) 432px, calc(100vw - 48px)\"\/>\n            <\/div>\n\n            \n        <\/div>\n    <\/div>\n<\/div> <!-- .b-cta -->\n\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><\/p>\n<\/blockquote>\n<\/blockquote>\n\n\n<div class=\"b-faqs\">\n\n    <div class=\"c-container m-mobile-full\">\n\n        <div class=\"b-faqs__inner\">\n\n            <div class=\"b-faqs__content\">\n                <div class=\"b-faqs__content-inner\">\n\n                    \n                    <h2 class=\"b-faqs__title\">FAQ: Rental income tax calculator<\/h2>\n\n                                        \n                    \n                    <div class=\"b-faqs__body\">\n                        <div class=\"b-block-body\"><h3><span style=\"font-weight: 400;\">How much tax do you pay on rental income?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You pay <\/span><b>20%, 40% or 45% <\/b><span style=\"font-weight: 400;\">on your rental profit, depending on your total income. For 2025\/26 in England, Wales and Northern Ireland, use our rental income tax calculator to estimate your bill.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I pay tax on rental income if I live in the property?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, but only on income above the Rent-a-Room limit. If you rent out a furnished room in your main home, you can earn up to<\/span><b> \u00a37,500 <\/b><span style=\"font-weight: 400;\">a year tax-free in 2025\/26 (\u00a33,750 each if you share the income). Our landlord tax calculator covers both live-in and buy-to-let scenarios.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I claim mortgage payments as a landlord expense?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No, you cannot deduct the full mortgage payment. You can claim a 20% tax credit on the interest you paid, but capital repayments do not qualify. Our buy-to-let tax calculator can help you estimate your tax bill.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What is the \u00a31,000 property allowance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The property allowance is a <\/span><b>tax-free amount of \u00a31,000<\/b><span style=\"font-weight: 400;\"> of gross rental income per tax year (2025\/26). If your income is above \u00a31,000, you can deduct the \u00a31,000 allowance instead of your actual expenses, whichever works out better for you.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I need to file a tax return if I only earn \u00a3500 in rent?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No. If your gross rental income is<\/span><b> \u00a31,000 or less <\/b><span style=\"font-weight: 400;\">in the tax year, you don&#8217;t need to report it or file a return for it, unless you already file for another reason. Our rental income calculator can help you check your position.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How do I split rental income with a joint owner?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">HMRC assumes you share rental income equally,<\/span><b> 50\/50<\/b><span style=\"font-weight: 400;\">. If you want income and expenses shared differently, you can declare this on <\/span><b>Form 17<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What expenses can landlords claim on their tax return?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can claim costs that are wholly and exclusively for the letting, such as letting <\/span><b>agent fees, like-for-like repairs, landlord insurance and utilities<\/b><span style=\"font-weight: 400;\"> included in the rent. Improvements and mortgage interest are treated differently, so check the rules before claiming.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">When is the deadline to pay tax on rental income?<\/span><\/h3>\n<h3><span style=\"font-weight: 400;\">The deadline for the 2025\/26 tax year is <\/span><b>31 January 2027<\/b><span style=\"font-weight: 400;\">, for both your online Self Assessment return and any tax you owe. Use our tax on rental income UK calculator to estimate what you&#8217;ll owe before then.<\/span><\/h3>\n<\/div>\n                    <\/div>\n\n                                    <\/div>\n            <\/div>\n\n            \n        <\/div>\n    <\/div>\n<\/div> <!-- .b-faqs -->\n\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":327,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"views\/template-calculators-single.blade.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1458","page","type-page","status-publish","hentry"],"acf":{"calculator_intro":"Landlord earning rental income from a tenant in your home or a buy-to-let property? Quickly calculate how much you can expect to pay in rental income tax.","calculator_icon":"property"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rental Income Tax Calculator for Landlords - Taxfix<\/title>\n<meta name=\"description\" content=\"What taxes do you pay as a landlord? Quickly calculate how much tax you may owe and learn how rental income is taxed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/taxfix.com\/en-uk\/calculator\/rental-income-tax\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rental Income Tax Calculator for Landlords - Taxfix\" \/>\n<meta property=\"og:description\" content=\"What taxes do you pay as a landlord? 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