Most landlords don't
have a financial plan.
They have a bank account
and a hope.
This toolkit helps you build a real 12-month financial plan — forecasting income, budgeting costs, sizing your reserve fund, and stress testing against the scenarios that actually happen. Not the same as a cashflow tracker (that's actual data). Not a deal calculator (that's before you buy). This is forward planning.
Build your 12-month portfolio plan
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Preview — what you'll get
What happens when you manage by gut feel
Average void period per property per year — most landlords never budget for it
Average cost of a boiler replacement — almost always arrives without a reserve fund in place
Rate rise on a £150k mortgage costs £125/month extra — most landlords never model this in advance
Tax liability on mortgage interest not visible in cashflow projections — regularly missed
All figures illustrative. But the pattern is real — landlords who plan absorb these events. Those who don't feel every one.
How it works
Your 12-month plan in under 20 minutes
Forecast your income
Add up to 5 properties with rent PCM, void weeks, and rent review dates. Get your full 12-month projected income in minutes.
Budget every cost
Enter all fixed and variable costs per property. The toolkit flags your highest-cost month — before it happens.
Stress test the plan
Model a rate rise, extended void, major repair, and rent reduction — individually and combined — before any of them arrive.
What's included
Four tools. One page. One plan.
Build your complete 12-month portfolio plan — each tool feeds into the next, and a live summary panel keeps your totals visible throughout.
12-Month Income Forecast
Tool 1Per-property rent projections accounting for void weeks, rent reviews, and other income sources across the full year.
Expenditure Budget
Tool 2Every cost per property month by month — mortgage, compliance certs, maintenance, planned works, and agent fees.
Reserve Fund Planner
Tool 3Calculate the right emergency reserve for your portfolio and find out exactly how far short you currently are.
Scenario Stress Tester
Tool 4Model rate rises, extended voids, major repairs, and rent reductions — individually and all at once.
Portfolio Summary Panel
LiveLive totals visible throughout — projected annual income, costs, and net cashflow update as you fill in each tool.
PDF Financial Plan
PDFExport your complete 12-month plan as a branded A4 PDF — all four tools in one shareable document.
Why landlords use this
Stop reacting. Start planning.
- Know your highest-cost month before it arrives
- Budget compliance costs — Gas Safety, EICR, EPC — years in advance
- Size your reserve fund correctly for your actual portfolio
- Model interest rate rises before your fixed term expires
- Stress test void + repair + rate rise together — the realistic scenario
- All data saved in your browser — nothing sent to a server
"I'd never actually calculated my void exposure before. Once I ran the income forecast I realised I was £2,200 a year short on what I'd been budgeting for."
Portfolio landlord— 4 properties, Manchester
"The reserve fund planner made me face reality. My boilers were all 10+ years old and I had £600 set aside. The tool said I needed £14,000. Uncomfortable but necessary."
Private landlord— 3 properties, Liverpool
"I ran the stress test two months before my fixed rate expired. It came back with a portfolio-moves-into-loss warning. I remortgaged a lot faster than I'd planned."
BTL investor— 6 properties, West Midlands
A plan is only as good as the data behind it.
HomeDash tracks your actual rent received, costs paid, and cashflow position against your plan — automatically updated every month. See the gap between forecast and reality before it becomes a problem.
Start tracking free — one property, foreverNo credit card required · Cancel any time