Home › Running Costs Calculator

True Monthly Cost Calculator

Beyond the mortgage — see every cost of owning a property broken down month by month. Budget accurately before you commit.

Includes mortgage, utilities, maintenance, insurance, council tax and more · For guidance only

Property Details

Property Price£285,000

Deposit20%

Mortgage Rate4.5%

Mortgage Term25 years

EPC Rating

Floor Area1,100 ft²

Council Tax Band

Optional Costs

Broadband & TV (£/mo)

Ground rent / service (£/mo)

Life/mortgage insurance (£/mo)

Parking / other (£/mo)

True Monthly Cost

£0

£0 per year

Mortgage repayment—

Gas & electricity—

Water—

Council tax—

Buildings insurance—

Maintenance reserve—

Broadband & TV—

Optional extras—

Total / month —

💡 Income needed

Detailed Mortgage Calculator →

Important: Figures are indicative estimates only. Energy costs vary significantly by usage, tariff and insulation. Maintenance costs depend on property condition and age. Council tax rates vary by local authority and may change annually. This calculator does not constitute financial advice.