Incorporation Decision Calculator (Ltd vs Personal)
Written by Scott Jones, founder of PropertyKiln · Last updated
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Should you transfer your rental properties into a limited company? The maths depends on four things: your marginal tax rate, your portfolio's leverage, your hold period, and whether you qualify for Section 162 incorporation relief on the CGT side.
This calculator takes your current position (properties, values, mortgages, rental income) and models three scenarios: keep in personal name, sell and exit, transfer to a limited company. It shows the one-off costs of incorporation (SDLT on the "sale" to the company, CGT unless 162 applies), the ongoing tax difference, and the break-even year.
Gives you the direction of travel, not a binding recommendation. Run this calculator, then take the output to a qualified accountant to stress-test the specifics.
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