cost of moving home calculator: a beginner’s guide to planning your budget

What this tool does

A cost of moving home calculator pulls together typical expenses-estate agent fees, conveyancing, surveys, removals, stamp duty, and new setup costs-so you can see the full picture before you commit. Instead of guessing, you enter a few details and get a realistic range, including one-off charges and ongoing bills.

How to use it

Start with your purchase price, selling price, and desired move date. Add estimates for removals, storage, and cleaning. Good tools also include a toggle for mortgage fees and interest overlap, helping you spot timing gaps that could strain cash flow.

Why it helps

• Avoid under-budgeting on completion day
• Compare DIY vs full-service removals
• Plan for council tax overlaps and utilities
• See the effect of higher loan-to-value
• Build a buffer for surprises

Remember, figures are guides, not guarantees. Markets move, quotes vary, and small choices-like packing yourself-add up. Use the calculator to outline a plan, then firm it up with written quotes and a simple move budget you actually check.