Affordability Calculator

See exactly what your new home will cost each month.

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Your income

£per month

Tax & NI calculated automatically from UK 2025/26 bands

Enter as:
Take-home (after tax)£0.00

Additional income

Rental, side hustle, benefits or any extra take-home pay

£per month

Monthly housing costs

Enter what you'll pay each month

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Total monthly costs£0.00

Monthly outgoings

Loans, cars, bills and other regular spending

£
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Total monthly outgoings£0.00

Monthly summary

Monthly income£0.00
Housing costs£0.00
Other outgoings£0.00
Total commitments£0.00
Left over each month£0.00
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Where your money goes

Add some costs above to see your monthly breakdown.

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Try another free tool

Stamp Duty Calculator

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Mortgage Overpayments

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Buying Timeline

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Helpful Links

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Frequently asked questions

How much can I afford to spend on a house?

A common rule of thumb is to keep your total monthly housing costs - mortgage or rent, council tax, utilities and insurance - under about 30% of your take-home pay. Enter your figures above and the calculator shows you exactly where you sit.

What counts as affordable?

The calculator compares everything you pay out each month against the money that actually reaches your bank account. Under 30% is comfortable, 30-40% is tight, and over 40% is usually considered unaffordable.

Should I enter my salary before or after tax?

Take-home pay is what matters, because that is the money you actually have to spend. If you enter your salary before tax, the calculator estimates your Income Tax and National Insurance for you - just pick your region.

Does this include my deposit or stamp duty?

No. This calculator is about monthly affordability. The one-off costs of buying, such as your deposit, stamp duty and legal fees, are separate - use the Stamp Duty Calculator and the Fees & Costs page for those.

Is the affordability calculator free?

Yes, it is completely free and you do not need an account. If you create a free account, your figures are saved so you never have to enter them again.

More questions? Read the full FAQ.

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  • Save your income, costs and outgoings so you never re-enter them
  • Come back and revisit your affordability check any time
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Figures are estimates for guidance only. Always consult a qualified mortgage advisor before buying.