Free UK planning tool
How much does it cost to set up your first home?
Build a whole-home setup estimate from what you already own, your household, your budget and whether you are happy buying some things second-hand.
Calculate my setup costMore than furniture
HomeFirst90 also includes the practical costs that make a new home usable: major appliances, cookware, bedding, cleaning basics, lighting and optional home-office needs.
Built around your budget
The result separates Need now, First 30 days and Can wait, then shows how much of the plan your usable budget covers.
Why a single average is not enough
The real number changes with household size, what the property already includes, what you already own, the quality level you choose and whether you are comfortable buying some furniture second-hand.
The calculator is a planning estimate, not a live retailer quote. Current UK price assumptions and sources are explained on our methodology page.