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UK Moving Home Calculator

Moving Home Reality Calculator UK

Work out the true cost of moving home, including fees, removals, furniture, curtains, repairs, setup costs and the first 90 days after getting the keys.

Useful for renters and homeowners Includes hidden setup costs First 90 days reality check Built for real-life planning

Calculate your true moving cost

Choose your move type, then add the costs people often forget. The result gives you a more realistic moving budget than a basic legal-fee calculator.

1

Your move type

Stamp duty is estimated using standard residential rates. First-time buyer relief may reduce this.
This helps create your reality score.
2

Moving fees

3

Setup costs

£3,000
£1,200
£1,000
£1,500
4

First 90 days spike

Pre-move and post-move hints sheet

Use this as a simple moving home checklist. The calculator gives you the number, but the hints sheet helps you avoid the common costs and jobs people forget.

Before moving
  • Confirm solicitor, survey, removals and storage costs early.
  • Check whether you will have overlapping rent, mortgage or utility bills.
  • Measure windows before ordering curtains or blinds.
  • List furniture you already own and what must be bought immediately.
  • Plan broadband installation before moving day if possible.
  • Keep a separate moving pot away from normal spending money.
  • Book time off work around completion or moving day.
  • Pack a first-night box with chargers, kettle, mugs, toiletries and basic tools.
After moving
  • Prioritise safety: locks, smoke alarms, trip hazards and urgent repairs.
  • Do not spend the full setup budget in the first week.
  • Allow for takeaways, fuel, extra cleaning and small forgotten purchases.
  • Fit curtains, blinds and basic privacy items early.
  • Check water stopcock, fuse board, boiler, bins and meter locations.
  • Make a 30-day list for practical jobs rather than rushing everything at once.
  • Keep receipts for furniture, appliances and moving expenses.
  • Review your monthly leftover once the first bills settle.

Beyond stamp duty: the first 90 days impact

Most moving calculators focus on the transaction. This calculator also includes the practical costs that arrive after you move in: window coverings, basic furniture, small repairs, admin fees, new locks, tools, cleaning and short-term spending spikes.

Before exchange

Plan legal fees, survey costs, removals, deposits and realistic cash reserves.

Before moving day

Budget for packing, storage, van hire, mail redirection, broadband and overlap costs.

Moving week

Allow for takeaway food, cleaning, last-minute tools, fuel, parking and unexpected purchases.

First 90 days

Set aside money for curtains, blinds, appliances, furniture, repairs and home setup jobs.

Moving costs people often forget

  • Curtains and blinds
  • New locks and spare keys
  • TV brackets and wall mounting
  • Furniture gaps
  • White goods
  • Cleaning supplies
  • Basic tools and fixings
  • Garden equipment
  • Storage boxes
  • Broadband setup fees
  • Light fittings and lamps
  • Emergency repairs
Need help setting up your new home?

Handyy can help with practical setup jobs such as TV mounting, curtain poles, shelves, small repairs and home improvements around Corsham, Chippenham, Melksham, Bath and nearby areas.

See local handyman services →

Moving Home Calculator FAQ

Why does this calculator include furniture and curtains?

Because legal fees are only part of the move. Many people spend thousands after getting the keys on furniture, curtains, blinds, appliances, cleaning, repairs and small setup jobs.

Is this calculator useful for renters?

Yes. Select rental move and use the calculator to plan deposits, advance rent, removals, furniture, setup costs and the first 90 days of spending.

Does this calculator include stamp duty?

Yes, it includes a standard residential stamp duty estimate for buying scenarios. First-time buyer relief, second-home rates or unusual purchase situations may change the amount due.

What is the first 90 days spike?

The first 90 days spike is the extra spending that often happens after moving home. This can include overlapping bills, takeaways, tools, decorating materials, repairs, storage, broadband setup and unexpected home purchases.

How much should I keep aside after moving?

As a rough guide, try to keep a separate buffer after the move rather than spending all available savings on the transaction. This calculator gives a simple comfort score based on your estimated costs and available savings.

Why are setup costs so easy to underestimate?

Setup costs are easy to miss because they often arrive in small purchases. Curtains, lamps, tools, cleaning supplies, shelves, furniture and repairs can feel minor individually but add up quickly.

Should I include a contingency when moving home?

Yes. A contingency gives you room for surprises such as delayed broadband, extra storage, replacement appliances, minor repairs or a higher removals cost than expected.

What should I buy first after moving?

Prioritise safety, privacy and essential living. Locks, smoke alarms, curtains or blinds, beds, fridge/freezer access, basic cooking items and urgent repairs should come before decorative spending.