Ground Rent Calculator
Calculate ground rent over time with escalation. Flag onerous rents. Includes doubling and RPI clauses.
Last updated: April 2026 · Source: GOV.UK — Leasehold Reform (Ground Rent) Act 2022
Total Ground Rent (25 years)
£7,500.00
| Year | Annual Rent | Cumulative |
|---|---|---|
| 1 | £300.00 | £300.00 |
| 5 | £300.00 | £1,500.00 |
| 10 | £300.00 | £3,000.00 |
| 15 | £300.00 | £4,500.00 |
| 20 | £300.00 | £6,000.00 |
| 25 | £300.00 | £7,500.00 |
| 30 | £300.00 | £9,000.00 |
Disclaimer
This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.
How It Works
Ground rent is an annual charge paid by leaseholders to the freeholder. For new residential long leases granted since 30 June 2022, the Leasehold Reform (Ground Rent) Act 2022 caps ground rent at a peppercorn (effectively zero). Existing leases are unaffected and may still require ground rent, often with escalation clauses.
Common escalation patterns include fixed increases (e.g. doubling every 25 years), RPI-linked increases, or increases tied to a percentage of the property value. Doubling clauses are particularly problematic as they can make ground rent unaffordable over time — £250/year doubling every 25 years reaches £8,000/year after 125 years.
This calculator projects your ground rent costs over the remaining lease term, accounting for any escalation clause in your lease. It shows the cumulative cost over time and the impact of the new Act on lease extensions (which now attract peppercorn ground rent). Enter your current ground rent, the escalation method and lease length.
Example: £300/year ground rent, doubling every 25 years, 90 years left
- Years 1-25: £300/year = £7,500
- Years 26-50: £600/year = £15,000
- Years 51-75: £1,200/year = £30,000
- Years 76-90: £2,400/year = £36,000
- Total over 90 years: £88,500 (average £983/year)
Frequently Asked Questions
- What does the Ground Rent Calculator do?
- Calculate ground rent over time with escalation. Flag onerous rents. Includes doubling and RPI clauses. All calculations are performed in your browser using official UK rates and thresholds.
- Is this based on current interest rates?
- You can enter any interest rate to model different scenarios. Check the Bank of England base rate and current mortgage deals from lenders for the latest rates.
- Should I get professional advice?
- This calculator provides estimates for guidance only. For a formal mortgage offer, speak to a mortgage broker or lender who can assess your full circumstances and provide personalised advice.