Downsizing calculators
Four quick sums, no sign-up. What a move would release, the tax on the new home, what a gift to the family could mean for inheritance tax, and how long the money would last.
How much would downsizing release?
The difference in house prices, minus everything the move costs. Change any figure; the defaults are typical.
Typically 1% to 1.5%. We add VAT for you. Online agents charge a fixed fee instead.
- Equity in your current home
- £0
- Stamp duty on the new home
- £0
- Total cost of moving (incl. tax)
- £0
Stamp duty on the new home
There is no pensioner or downsizer relief anywhere in the UK. Everyone pays the same bands, and they differ by nation.
- At standard rates
- £0
- Extra for owning two homes on the day
- £0
A gift to the family and inheritance tax
A rough look at what a gift could save, if you live seven years afterwards. Simplified: it ignores gifts already made, trusts, business assets and the finer points.
- Your tax-free allowances
- £0
- Estimated tax with no gift
- £0
- Estimated tax after the gift (7 years on)
- £0
How long would the money last?
If you kept the money and drew on it each month to top up your pension, roughly how long it would go on for.
A savings account might pay 3% to 4% at the moment. Investments vary, and can fall.
- That is
- –
- Drawing
- –
- Running out around
- –
Ignores inflation and tax on interest. Cash over the savings limits can affect Pension Credit and council tax support; see the benefits guide.
A note on the numbers. Tax thresholds, benefit limits and typical costs are correct as far as we know at the time of writing (2026) and, unless we say otherwise, are for England. Scotland, Wales and Northern Ireland differ in places. Rules change and your circumstances matter. This is information, not advice: check the current position and talk to a solicitor, an FCA-authorised adviser or a tax professional before you act.
Get the free downsizing checklists.
Six printable PDFs: the self-check, the ups and downs worksheet, the step-by-step plan, the money planner, the gifting-a-deposit guide and the room-by-room declutter list. Free, in your inbox in a minute.