Property Purchase Budget Spreadsheet
Interactive Excel workbook with built-in SDLT, LBTT and LTT formulas, a fees breakdown, mortgage repayment estimator, and a reference rates sheet. Edit the yellow cells to model your own purchase.
Download XLSX (50 KB)Budget Planner
Excel workbook
What the workbook does
Most property budget spreadsheets you find online are either too generic (no tax calculations) or hardcoded to a single buyer type. This one has embedded formulas that handle every UK tax regime automatically. Change the nation, the FTB flag, or the surcharge flag and the tax numbers recalculate instantly. It is the same logic we use in our online calculator. For an additional property it applies the 5% surcharge in England and Northern Ireland, the 8% ADS in Scotland, or the separate Welsh higher-rate bands, on purchases of £40,000 or more.
What's on sheet 1: Budget
The main sheet has five sections, each colour-coded. Yellow cells are editable inputs; green cells are calculated automatically.
Inputs
Property price, deposit percentage, FTB flag, additional-property flag, nation selector
Stamp duty (calculated)
Base SDLT/LBTT/LTT using the correct formula for your nation, plus separate surcharge line
Fees & costs
Ten editable lines: conveyancing, mortgage arrangement, valuation, survey, searches, Land Registry, CHAPS, removals, insurance, contingency
Totals
Deposit cash needed, mortgage amount, total fees, cash needed at completion, total property cost
Mortgage estimator
Rate, term, monthly repayment using the standard annuity formula, total interest over term
Sheet 2: Rates Reference
A read-only reference sheet with every current rate band across all four nations, plus the additional property surcharge rates and the first-time buyer relief structures. Use it to sanity-check the main sheet or as a standalone reference.
Annexe, land or an old home not sold yet?
These are the purchases where a standard calculator can get your stamp duty wrong. Get it checked before you exchange.
Typical fee ranges included
| Item | Typical range | Default in sheet |
|---|---|---|
| Conveyancing fees | £800 – £2,500 | £1,500 |
| Mortgage arrangement | £0 – £2,500 | £999 |
| Valuation fee | £150 – £1,500 | £300 |
| Survey (HomeBuyer/Building) | £400 – £1,500 | £500 |
| Local authority searches | £150 – £400 | £300 |
| Land Registry fee | £20 to £1,105 | £150 |
| CHAPS transfer | £20 – £50 | £45 |
| Removals | £300 – £3,000 | £1,200 |
| Buildings insurance (year 1) | £150+ | £300 |
| Contingency buffer | ~5% of costs | £1,500 |
Download the workbook
Opens in Excel, Numbers, Google Sheets and LibreOffice Calc.
Download XLSXReviewed by
Julie White
ACAStamp duty specialist since 1999Stamp Duty Land Tax Specialist
ACA and Tax Adviser with a career spanning nearly four decades, specialising in stamp duty planning and advisory work since 1999.