Downsizing Calculator UK
How much equity would I actually release?
Real net proceeds after SDLT, agent fees, legal costs and moving expenses — downsizing calculator
Downsizing sounds simple — sell big house, buy small house, pocket the difference. This simulator shows the actual net equity after all the costs, including Stamp Duty on the new purchase, which surprises many people.
Current position
Equity in current home
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Costs of moving
Mortgage to repay
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Total selling costs
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SDLT on new purchase
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England rates, post-Apr 2025
Other buying costs
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Moving & transaction costs total
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Result
Cash released after downsizing
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Downsize efficiency
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