Does the stamp duty spreadsheet work in Google Sheets?

Yes. Upload the XLSX file to Google Drive, open with Google Sheets, and the formulas will translate correctly. Excel, Numbers on Mac and LibreOffice Calc also open the file without issues. The workbook uses only standard IF, MIN, MAX and arithmetic functions that are supported by every mainstream spreadsheet program.

How does the spreadsheet handle different UK nations?

Cell B9 contains the nation selector: enter 1 for England or Northern Ireland, 2 for Scotland, or 3 for Wales. The SDLT/LBTT/LTT formulas are nested in a single conditional block that reads this cell and applies the correct rate bands. First-time buyer relief is applied automatically if cell B7 is set to 1, but only for England, Northern Ireland and Scotland. Wales does not offer a separate FTB relief.

Can I customise the fees section?

Yes, every fee line is an editable yellow cell with a sensible default based on typical UK market ranges. Overwrite any figure with your own quote and the totals recalculate automatically. There is also a contingency buffer line with £1,500 default; adjust this to match your risk appetite.

XLSX · 50 KB · Live formulas

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 clients say

“I had little expectation we could recover the stamp duty paid back in 2017. They reviewed all the evidence, found a strong case, and after a year of clear updates we successfully received our refund.”

Karen, Nov 2025

“Advised on the correct stamp duty for a mixed-use property and went the extra mile to make sure everything was filed correctly when issues arose.”

John Barnes, Sept 2025

“We had overpaid tax on company properties over the years. They guided us through every step and handled everything until the refund came through.”

Anna Merro, Aug 2025

“Knew very little about my stamp duty rights. They made everything simple to understand and sorted it efficiently. Extremely pleased.”

Kevin Tait, Aug 2025

“Quickly understood a complex stamp duty situation and gave a clear, straightforward answer. Professional throughout.”

Medo Fouad, Nov 2025

What clients say

“I had little expectation we could recover the stamp duty paid back in 2017. They reviewed all the evidence, found a strong case, and after a year of clear updates we successfully received our refund.”
Karen, Nov 2025
“Advised on the correct stamp duty for a mixed-use property and went the extra mile to make sure everything was filed correctly when issues arose.”
John Barnes, Sept 2025
“We had overpaid tax on company properties over the years. They guided us through every step and handled everything until the refund came through.”
Anna Merro, Aug 2025
“Knew very little about my stamp duty rights. They made everything simple to understand and sorted it efficiently. Extremely pleased.”
Kevin Tait, Aug 2025
“Quickly understood a complex stamp duty situation and gave a clear, straightforward answer. Professional throughout.”
Medo Fouad, Nov 2025

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.

Live SDLT formulas (England & NI)

LBTT formulas (Scotland)

LTT formulas (Wales)

First-time buyer relief handled

Additional property surcharge flag

10 line items for fees and costs

Mortgage repayment estimator

Interest over term calculation

Reference rates sheet

Fully editable yellow cells

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.

Buying soon? Get your stamp duty checked before you commit

A specialist can confirm the right figure and flag any reliefs you qualify for.

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