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Resources · Google Sheets · UK tax year 2026/27

UK First-Time Buyer Planner: your route to the keys

Know exactly how much you need to buy your first home, when you’ll be ready, and whether you can afford life after moving. Your savings, Lifetime ISAs and the full costs of buying in one clear plan.

  • Stamp Duty, LBTT or LTT with first-time buyer relief applied
  • Lifetime ISA rules built in, including the 12-month rule
  • On your own or as a couple
  • Designed by a Chartered Accountant
Get the planner · £14.99One-off payment · Instant access
UK First-Time Buyer Planner dashboard in Google Sheets on a laptop

Dashboard

Cash you need, and whether you’ll have it in time

The total cash you need, where your savings will be by your target date, your monthly mortgage and the one thing to do now, plus a chart of savings against what you need.

First-time buyer dashboard showing cash needed and savings progress

Deposit plan

Every savings pot, projected month by month

Up to 6 pots with interest and the 25% Lifetime ISA bonus, joint LISAs for couples, plus ISAs, savings and family gifts. It tells you how much more to save each month to be ready by your date.

Deposit Plan projecting savings pots and the Lifetime ISA bonus

Stamp Duty

Stamp Duty for all four UK nations

Stamp Duty in England and Northern Ireland, LBTT in Scotland and LTT in Wales, with first-time buyer relief applied for you. Plus legal fees, Land Registry, survey and moving costs.

Stamp Duty calculation with first-time buyer relief

Mortgage

What lenders may offer, and a rate-rise test

Loan to value, what lenders may offer at 4x to 6x income, your monthly payment, and what happens to it if rates rise by 2%.

Mortgage affordability with loan to value and a 2% rate rise test

Life after moving

Your monthly bills now and once you own

See your outgoings before and after moving side by side, so you know the home you buy is one you can comfortably afford to live in.

Monthly bills now and after moving, side by side

Savings log

Log payments, bonuses and interest

Record payments in, LISA bonuses, interest and withdrawals. Mistakes are flagged in plain words, and “Things to know” warns you about issues like a LISA that won’t be 12 months old in time.

Savings Log with LISA bonuses, interest and checks

What's inside

7 connected tabs. Add your pots and costs and the plan builds itself.

Start Here

Set up

Your details, a health check and 17 situations

Deposit Plan

Set up

Up to 6 savings pots, interest and LISA bonus

Savings Log

Log

Payments, bonuses, interest and withdrawals

Dashboard

See

Cash needed, your date, mortgage and next step

Costs & Mortgage

See

Stamp Duty, fees, borrowing and a rate-rise test

Life After Moving

See

Monthly bills now and once you own

Settings

Tools

Every 2026/27 rate with its official source

Built for real life

Handles the situations you'll actually face

Guidance for 17 real situations, built into the Start Here tab. Here are some of them.

  • Buying on your own
  • One of you has owned before
  • Saving into a LISA
  • Price over £450,000
  • Buying in Scotland
  • Buying in Wales
  • Buying a leasehold flat
  • A gift from family
  • A Help to Buy ISA
  • Unsure of your rate
  • You took money out
  • Your date slips
  • Inherited property
  • Budget rate changes

Not covered: shared ownership, Right to Buy, guarantor mortgages, buy-to-let and buyers who aren’t UK resident. Lenders run their own affordability checks.

How it works

1

Make your copy

After payment, click "Make a copy" to save the planner to your Google Drive.

2

Add your plan

Fill in your details, savings pots and the price you’re aiming for.

3

Save and track

Log your savings as you go and follow your next step on the Dashboard.

UK First-Time Buyer Planner

£14.99

One-off payment. No subscription.

  • The full UK First-Time Buyer Planner for Google Sheets
  • 7 connected tabs, with a filled-in example version and a blank version
  • Instant access straight after payment
  • Free updates for every new tax year
  • Email help if you get stuck setting up
Get the planner · £14.99

Secure checkout by Stripe · Google Sheets

Want a Chartered Accountant to look over it with you?

Book a one-to-one review call and we'll go through your figures together and agree your next steps.

Book a review call

Frequently asked questions

How do I get the planner after I pay?

You're taken straight to a download page with your "Make a copy" links. One click saves the planner to your own Google Drive. Stripe also emails your receipt.

We’re buying as a couple. Does it work for us?

Yes. It handles two buyers, joint Lifetime ISAs and two incomes for mortgage affordability.

Does it work outside England?

Yes. It covers England, Scotland, Wales and Northern Ireland, using Stamp Duty, LBTT or LTT as appropriate, with first-time buyer relief where it applies.

Does it work in Excel?

The download here is the Google Sheets version, which is free with any Google account. If you'd rather use Excel, get in touch after buying and I'll send you the Excel files too.

Do I need to connect my bank?

No. There is no app, no subscription and no bank login. Your copy lives in your own Google Drive and only you can see it.

Will I get updates when tax rates change?

Yes. Bookmark your download page: it always links to the latest version, updated for each new tax year at no extra cost.

Can I share it with friends?

Please don't share or resell the planner or its links. It is licensed for your own personal use.

Is this financial advice?

No. The planner is a planning tool, not regulated financial or tax advice. Figures are estimates based on what you enter, and lenders run their own checks.

Ready to plan your first home?

Get the UK First-Time Buyer Planner today and know exactly when you’ll be ready to buy.

Get the planner · £14.99