Useful next calculations
Rates and 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 worked example
These are the example figures the calculator opens with.
| Input | Value |
|---|---|
| Current monthly rent (£) | £1,350 |
| Proposed monthly rent (£) | £1,550 |
| Moving and setup costs (£) | £1,600 |
For those figures the calculator returns:
- Monthly rent difference: £200.00
- First-month rent + move cost: £3,150.00
Method & assumptions
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.