Free UK property calculators

The numbers behind your next move

Accurate, free calculators for every stage of the UK property journey — from Stamp Duty to mortgage affordability, designed for buyers, movers and landlords.

England, Scotland & Wales
Updated for 2025/26
No sign-up needed
Quick calculator
Stamp Duty (SDLT / LBTT / LTT)
Calculators

The essentials, done properly

Three thoroughly built tools covering the UK property journey's most important numbers. More coming soon.

Stamp Duty Calculator
England & NI (SDLT), Scotland (LBTT) and Wales (LTT) — all in one tool. Updated for April 2025. Covers first-time buyers, movers and second homes.
Mortgage Repayment
Monthly payment, total interest paid and a full year-by-year amortisation breakdown. Works for repayment and interest-only mortgages.
Mortgage Affordability
How much can you borrow? Based on income multiples and lender stress tests. Gives you a realistic borrowing range before you speak to a lender.

More calculators — overpayment, LTV, rental yield and more — launching over the next few months.

How it works

Accurate results in a few seconds

Pick your calculator
Choose from tools covering every stage of the UK property journey — from initial Stamp Duty estimates to detailed mortgage repayment planning.
Enter your numbers
No login, no email address required. All calculations run instantly in your browser — nothing is stored or sent to any server.
Understand the detail
Every result includes a full band-by-band breakdown with the underlying rate tables so you can see exactly how the figure is calculated.

Calculators provide illustrative estimates only. Tax rules and mortgage products change — always verify figures with HMRC, Revenue Scotland, or the Welsh Revenue Authority before completing a purchase.

Your home may be repossessed if you do not keep up repayments on your mortgage. For personalised mortgage advice, speak to an FCA-authorised broker.

Upfront costs

What will you actually need on the day?

Stamp Duty is just one part of the upfront cost. Enter a property price — or run the calculator above — to see a realistic total budget.

Stamp Duty
Solicitor & conveyancing£1,500–£3,000
~£500
Mortgage arrangement fee~£999
Land Registry fee
Removals£800–£1,500
Estimated total upfront costs

Excludes deposit. Other figures are industry-typical estimates.

How we work

How we verify our calculations

Every calculator is cross-checked against official government sources before publication and after any rule change. We show you exactly where the numbers come from.

  • SDLT (England & Northern Ireland)Verified against HMRC guidance · Last changed: 1 April 2025
  • LBTT (Scotland)Verified against Revenue Scotland · Last changed: 1 April 2024
  • LTT (Wales)Verified against Welsh Revenue Authority · Last changed: 11 December 2024
  • Rate dataSourced directly from the Bank of England Statistical Database