Editable recurring-cost dashboard

See the costs beyond the mortgage.

Combine monthly and annual bills without double-counting, including zero or not-applicable categories.

Recurring costs

Choose the frequency in which you know each figure.

Mortgage / rent-equivalent payment

Council tax

Service charge

Ground rent / estate charge

Buildings and contents insurance

Maintenance allowance

Energy

Water

Broadband / other utilities

Other recurring costs

Contingency on recurring costs

0 %50 %

Where the monthly total goes

Monthly and annual ownership-cost breakdown
Category	Monthly equivalent	Annual	Share
Mortgage / rent-equivalent payment	£1,300.00	£15,600.00	65.0%
Council tax	£175.00	£2,100.00	8.8%
Service charge	£0.00	£0.00	0.0%
Ground rent / estate charge	£0.00	£0.00	0.0%
Buildings and contents insurance	£35.00	£420.00	1.8%
Maintenance allowance	£250.00	£3,000.00	12.5%
Energy	£150.00	£1,800.00	7.5%
Water	£45.00	£540.00	2.3%
Broadband / other utilities	£45.00	£540.00	2.3%
Other recurring costs	£0.00	£0.00	0.0%
Total	£2,000.00	£24,000.00	100%

Commonly forgotten ownership costs

Leaseholders may face service-charge changes and major works; some properties have estate charges or ground rent. Owners also need to allow for maintenance, buildings insurance, energy, water, broadband and costs that arrive annually. Mortgage fees and one-off buying costs belong in separate planning so they are not counted twice.

Worked example

A £1,300 mortgage plus annual council tax of £2,100, monthly service charge of £180 and other bills is converted to one monthly basis. The annual figure is simply that same cost multiplied by 12; it does not add annual entries twice.

Check bills, lease documents and quotations for the home. For council tax bands and challenges, see GOV.UK. Reviewed 15 August 2026.