Continue your plan
Useful next calculations
Rates & sources
SDLT/LTT/LBTT bands vary between England, Wales, Scotland and Northern Ireland. Use the appropriate calculator.
Source: HMRC / Welsh Revenue / Revenue Scotland — check the linked guidance and any live quote before acting.
When to use this calculator
- Before buying, renting, refinancing or reviewing a property investment.
- When you want to compare cash flow, tax, yield or ownership costs.
- When you need a fast estimate before speaking to an agent, lender or adviser.
- When you want to see how a rate or price change moves the result.
A realistic UK planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Current monthly rent (£) | 6 |
| Proposed monthly rent (£) | 6 |
| Moving and setup costs (£) | £500 |
After entering these figures, review monthly rent difference and first-month rent + move cost together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Monthly Rent Difference
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
First-Month Rent + Move Cost
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
This planner compares the same number of rental months in a current and proposed home. It adds entered one-off moving and setup costs to the moving route and separately shows the temporary cash gap between a new deposit and the old deposit expected back.
A tenancy deposit is not treated as rent, because it is normally held and may later be returned subject to the tenancy terms. The tool does not guess deductions, notice periods, rent-review rules, utility bills or commuting changes.
Check the tenancy agreement, deposit-protection information and official local renter guidance before giving notice or committing to a new home.
Common mistakes
- !Comparing rent and ownership costs without including taxes, fees and maintenance.
- !Using purchase price alone without testing financing or vacancy assumptions.
- !Relying on yield or growth in isolation instead of reviewing the full property case.
- !Using the wrong national transaction-tax calculator for the purchase location.
What to do next
- Run a second scenario with a higher rate or lower rental yield.
- Compare the result with a buy-versus-rent or mortgage calculator before making an offer.
- Use the matching national transaction-tax calculator for the purchase location.
- Note the key figures to share with your solicitor or lender.
Frequently asked
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