Should your partner take more of the rent?
Rental profit is taxed at each owner's own rate. See the split that pays least tax.
Your answer
Enter the rental profit and both incomes.
About this calculator
For married couples and civil partners who own a rental property together.
What happens to your answers
We don’t keep them. Your answers go to our server to do the sums and aren’t stored or logged. If you copy a link to your answers, they’re in the link itself, so only share it with people you trust.
How it’s worked out
Married couples and civil partners are taxed 50:50 on joint property by default. If you really own it in other shares, you can tell HMRC on Form 17 and be taxed on those shares. We try every split from 0% to 100% and find the one with the least tax.
Worked example
Taking 0% of the rent yourself and 100% for your partner would save £2,000 a year.
2026/27 rates · England, Wales or Northern Ireland · before mortgage interest
| Rental profit | £20,000 |
|---|---|
| Tax with your 50:50 split | £6,000 |
| Tax with a 0:100 split | £4,000 |
| Saving a year | £2,000 |
Worked out using HMRC's published rates for the 2026/27 tax year (6 April 2026 to 5 April 2027), on a yearly basis.
Questions people ask
Can we just declare a different split?
No. The split must match real ownership, usually set out in a declaration of trust.
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