Money Calculators UK

Lifestyle Cost Calculator

Estimate what your household spends on necessities and wants after retirement savings. Results are estimates, and your inputs may be retained in this browser.

Saved in this browser. Reset clears this calculator’s saved inputs and restores its defaults.

Household Income
Income after tax and other payroll deductions.
Regular Savings
Include pension, ISA, or other savings intended for retirement that come out after you get paid.
Life-goal Savings

Add regular savings for goals such as a house deposit, wedding, education etc., that you do not expect to continue into retirement.

Housing
Enter only the payment you expect to stop, not other ongoing housing costs.
Extra Retirement Costs
Add an allowance for extra travel, healthcare, hobbies, emergencies, or general flexibility.

Estimated Lifestyle Cost

Based on the income not allocated to regular savings.

Current Lifestyle Cost

£0 per month
Annual equivalent £0
Potential Retirement Lifestyle Cost £0 per month
Annual equivalent £0 per year

Excludes the rent or mortgage payment entered because you expect it to end before retirement.

Annual Breakdown

Take-home income
£0
Retirement savings
−£0
Life-goal savings
−£0
Current lifestyle cost
£0
Rent or mortgage removed
−£0
Extra retirement costs or buffer
+£0
Potential retirement lifestyle cost
£0

This is a planning estimate, not a detailed spending budget or retirement-income projection.

How This Calculator Works

Reset Calculator?

This will restore the example amounts and remove any additional life goals.