Resources & Tools
CJ Effective Rent Calculator
Headline rent versus the income that actually reaches the landlord.
Disclaimer. This tool provides an indicative income analysis only. It does not constitute valuation, tax, lending or investment advice. Effective rent depends on lease structure, tenant strength, asset quality and market conditions.
Property type
Residential investment — voids, management & non-recoverables
Core income
Monthly rent per unit
Number of units
Gross annual rent = monthly rent × 12 × units = £18,000
Income assumptions
These are scenario assumptions, not facts. Pick a profile or customise.
Assumption profile
Institutional / scaled-portfolio assumptions.
Void allowance
5% ≈ 2.5 weeks/yr. London / strong markets 2–3%; weaker markets 6–8%.
Bad debt
Management
Repairs & maintenance
Re-letting cost (annualised)
Typical: 1–2 weeks rent per letting. Assumes a ~2–3 year tenancy → ~0.5–2% annualised. This is the annualised impact of churn — not the headline letting fee.
Non-recoverable costs
Annual sum of insurance leakage, service-charge shortfall, compliance / licensing, utilities and any other non-recoverables.
Income quality
Strong income
Total leakage
14.0%
Headline rent (gross)
£18,000
Per year
Effective gross income
£17,280
After voids
Net effective rent
£15,480
£1,290 / unit / month
Headline vs effective vs net
Deduction waterfall (annualised)
Cost breakdown
- Voids
- £720
- Management
- £900
- Repairs & maintenance
- £540
- Re-letting cost (annualised)
- £180
- Bad debt
- £180
- Non-recoverables
- £0
- Total leakage
- £2,520 (14.0%)
CJ income insights
- Strong income profile: leakage of just 14.0% is consistent with stabilised, well-managed assets.