Budget planning

Living costs planner

Structure your monthly baseline, then track yearly living costs and flexibility range for semi-retirement planning.

Monthly cost assumptions

Set your current and target monthly costs for each category, then review the reduction profile.

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Planning notes

Keep assumptions practical and conservative first. Then tighten your target profile until it feels sustainable and realistic.

- Build a baseline that feels realistic for ordinary months.

- Reduce discretionary categories before cutting core essentials.

- Re-check categories annually for inflation and lifestyle changes.

Rough UK planning tool only. Estimates are directional and not financial, tax, or investment advice.

Monthly view
Current monthly total
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Your present baseline from all current category entries.
Target monthly total
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Your intended monthly profile after planned adjustments.
Monthly reduction
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Difference between current and target monthly totals.
Yearly view
Current annual total
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Current monthly total multiplied by 12.
Target annual total
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Target monthly total multiplied by 12.
Annual reduction
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Projected yearly reduction if target costs are maintained.

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