House affordability calculator

A house isn't just the mortgage or rent. Add the bills, the upkeep and the upfront costs to see what a home really costs each month.

I'm looking to

The home & mortgage

Property price
Deposit
Mortgage rate
Mortgage term
£

Running costs / month

£
£
£
£
£
Upkeep & repairs (per year)
A common rule of thumb is about 1% of the property's value a year.
£
Real monthly cost
£0
Mortgage payment
£0
Cash needed upfront
£0

Tip: with PocketSorted Assistant you save these once and every calculator fills them in for you.

Your money

£
After tax — what actually lands in your account. Add a partner's if it's a joint decision.
£
Optional — lenders often lend around 4 to 4.5 times this. We'll flag if the mortgage looks high.

Your other outgoings

£
Energy, groceries, phone, loans, cards — and those little subscriptions that add up.
£
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Estimates only. Stamp Duty Land Tax uses the England & Northern Ireland rates from 1 April 2025 (including first-time buyer relief and the 5% surcharge on additional properties) — always check the latest figures on GOV.UK. Scotland (LBTT) and Wales (LTT) have their own rates, so enter your figure. Lender criteria vary. This isn't financial or mortgage advice.