Free tool
Lifestyle Calculator
Turn your numbers into clarity, confidence, and a plan for the future.
Do you know the true cost of your lifestyle?
Most of us underestimate what we spend — until the bills pile up. That's why I built the Lifestyle Calculator.
- Turn big annual or irregular bills into simple monthly costs — so nothing sneaks up on you.
- See where your money really goes — not just rent and groceries, but the extras that shape your lifestyle.
- Understand your balance of Needs, Wants and Future — and check whether it matches the life you actually want.
- Get a clearer picture of your retirement target — so you can plan for security and freedom.
What you’ll see
A worked example — a two-adult UK household on median income, with a mortgage.
- Essential needs 77.6%
- Lifestyle wants 14.4%
- Savings 8.0%
Illustrative example, not a benchmark. Built from ONS median household disposable income, average UK rent and mortgage costs, and the April 2026 Ofgem price cap. Your own numbers will look different — which is rather the point.
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