Should I use all my savings as the deposit?

Not automatically. Moving and setup costs can be substantial, and keeping accessible cash may matter after completion.

Does this calculate Stamp Duty or other property tax?

No. Enter the current estimate from the appropriate tax calculator or professional source because jurisdiction and buyer status matter.

What costs are often forgotten?

Survey upgrades, removals, storage, overlap between homes, initial repairs, furniture, locks, utility setup and mortgage fees are common examples.

Renting & moving

True Cost of Moving Home Calculator

The deposit is usually the biggest moving-home number, but it is not the only cash you need. This calculator puts the less glamorous costs beside the deposit and checks what happens to accessible savings afterwards.

Free calculatorInputs saved only in this browser

Your estimate

Use the result as a planning guide and change inputs to test the assumptions that matter most.

How this calculator works

The model simply adds the upfront cash categories you enter, then compares that total with accessible savings and your desired emergency reserve.

How to use it

Enter the deposit and property tax estimate that applies to your purchase.
Add legal, survey and mortgage fees.
Add removals, temporary overlap and setup/furnishing costs.
Enter accessible savings and the emergency reserve you want to protect.
Use the cash-gap result before deciding how much deposit is truly available.

Assumptions and limitations

Property tax is entered manually because jurisdiction and buyer circumstances differ. Quotes, tax rules and provider fees can change. Do not rely on this page as a conveyancing or tax calculation.

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