Your affordability dashboard
House · £320,000 · England · First-time buyer
£41,405
Deposit + Stamp Duty + legal, survey & moving costs
Needed in your account on completion day
£29,900
Emergency fund + contingency + refurbishment buffer
Held back as a safety net, not spent on the purchase
Total cash targetNot sure how much to save? Aim for this figure.
£71,305
Property & budget
Property price
Sets your tax band and cost baseline
Deposit
Cash you put down towards the property
Savings available
Cash you can put towards the move
Monthly essential expenses
Sizes your emergency fund
Buyer & risk profile
Property condition
Drives refurbishment and contingency budgets
Good condition
Buyer type
Affects tax reliefs and surcharges
First-time buyer
Risk profile
Scales how conservative the targets are
Detailed estimate
Buffer assumptions
Taxes, legal and survey costs aren't adjustable here, they update automatically from your property price, location and condition.
Emergency fund buffer
Months of essential spending to hold
Refurbishment buffer
Allowance as a share of property value
£71,305
Cash needed at completion
Deposit + upfront costs + sensible reserves
£29,900
Reserves to keep after
Emergency, contingency & refurbishment
9.3%
Reserve as % of value
Sensible reserve vs purchase price
£1,000
Stamp Duty Land Tax
England · SDLT
Where your cash goes
Sensible estimate breakdown
- Deposit£32,000 (45%)
- SDLT£1,000 (1%)
- Refurbishment£12,800 (18%)
- Buying & moving£8,405 (12%)
- Emergency fund£7,200 (10%)
- Contingency£9,900 (14%)
Reserve recommendations
Cash to keep available after completion
Final recommendation
Minimum cash reserve
The absolute minimum recommended savings
£17,800
Reserve to keep after completion
- Deposit
- £32,000
- Upfront costs
- £9,405
- Total cash at completion
- £59,205
Sensible cash reserve
A realistic, balanced target
£29,900
Reserve to keep after completion
- Deposit
- £32,000
- Upfront costs
- £9,405
- Total cash at completion
- £71,305
Cautious cash reserve
A highly conservative approach
£59,400
Reserve to keep after completion
- Deposit
- £32,000
- Upfront costs
- £9,405
- Total cash at completion
- £100,805
Total recommended cash after completion
Sensible reserve equals 9.3% of the property value, money you should still hold once the keys are yours.
£29,900
Detailed breakdown
All calculations, guides and other content on this site are for general information only, may not be accurate or up to date, and do not constitute financial, tax, legal or mortgage advice. Always verify figures against official sources and seek professional advice before making any financial decisions.