Affordit guide

Can I afford a kitchen renovation?

Check whether kitchen renovation feels realistic based on your savings, monthly contribution, income, living costs and timeline. Affordit shows the route before you commit. If you already know payment assumptions, Affordit can estimate the monthly pressure and check whether it looks realistic.

Check your kitchen renovation route

Example scenario

Example: £18,000 kitchen renovation with £1,000 saved

Target

£18,000

Savings

£1,000

Amount remaining

£17,000

Monthly contribution

£300

Estimated timeline

57 months

Example score

76/100

Costs people forget

Contingency buffer
Temporary accommodation
Waste removal
Finishing materials
Extra labour time

What makes it affordable

A contingency buffer is included
The project can be phased
Monthly saving does not remove the buffer
The scope matches the timeline

What Affordit checks

Goal cost
Current savings
Monthly contribution
Estimated take-home pay
Rent, mortgage and living costs
Target timeline

When kitchen renovation may not be realistic

The required monthly amount is higher than spare income
The timeline is too short for the current contribution
The emergency buffer would be used up

Example route

Example: a kitchen renovation target of £18,000 with £1,000 saved leaves £17,000 to plan. At £300 per month, the route would take about 57 months before any wider assumptions are changed.

This example is more likely to be manageable when the monthly contribution fits available surplus, wider costs are included and the emergency buffer remains intact.

Keep comparing

Related affordability checks

Common questions

Short answers before you use the free route planner.

How do I know if I can afford kitchen renovation?

Compare the goal cost with your savings, monthly contribution, income, living costs and timeline. Affordit turns those inputs into a practical route and a score.

What costs should I include for kitchen renovation?

Include the headline cost, upfront costs, ongoing costs and a buffer. The page above lists common costs people forget for this route.

Will this affect my credit score?

No. Affordit does not run a credit check and does not connect to your bank.

Can I compare another route?

Yes. You can change the target, timeline or monthly contribution in the planner to compare a different route.

Is this financial advice?

No. Affordit provides general planning guidance only and does not make lending, tenancy or eligibility decisions.

Check your own numbers.

No credit check. No bank connection. General planning guidance only.

Check your kitchen renovation route