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
In this article
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.
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
SponsoredCheck these out
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.
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 – £1,105 | £270 |
| 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
Emma Richardson, MRICS
Chartered Surveyor & Property Tax Specialist
Emma Richardson is a RICS-qualified Chartered Surveyor with over 12 years of experience in UK property taxation. She founded Calculate My Stamp Duty UK to help buyers understand the complex world of property transaction taxes.