Calm Money mark
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Before you start

A little about you

The number you're currently aiming to have coming in each month once you stop working. A rough figure is fine.
This is guaranteed income that reduces what you need from savings and pensions. If you don't know it, get your free forecast at gov.uk/check-state-pension, it takes about two minutes.
The picture

A day, not a budget line

Before any numbers, picture an ordinary Tuesday. Take your time, the more specific you are, the more useful the rest of this gets.

Name what comfortable means

Housing

Name what comfortable means

Health & family

Name what comfortable means

Travel, giving & everyday life

Name what comfortable means

Your safety cushion

Attach numbers

Now put a cost against it

Use your best estimate. You can revisit these later, the goal right now is a real number, not a perfect one.

CategoryEst. monthly cost
HousingMortgage or rent and property maintenance.
£
Utility billsGas, electricity, water, council tax, and broadband.
£
GroceriesFood and household shopping.
£
TransportRunning a car, fuel, and public transport.
£
ClothingClothes and footwear.
£
HealthPrivate healthcare, dental, and routine medical costs.
£
Long-term careResidential or in-home care not covered by the NHS.
£
Family & dependantsSupport for children, grandchildren, or ageing parents.
£
Travel & holidaysTrips, flights, and time away.
£
Leisure & hobbiesEntertainment, hobbies, and pets.
£
Total monthly
£0
Reflect

What did that bring up?

Your comparison

Your numbers, side by side

.

This is a comparison of the numbers you entered, not a personal recommendation.

Your itemised total
£0 a month
Your working target
£0 a month
State Pension, monthly
£0 a month
Your State Pension forecast, converted from weekly to monthly. Guaranteed income that reduces what you need from savings.
What you need from savings, after your State Pension

Your picture£0 a month
Your target£0 a month
A rule of thumb, not a calculation of your numbers
Income needed from savings, monthlyPot size (4% rule)
£1,000£300,000
£2,000£600,000
£3,000£900,000
£4,000£1,200,000
£5,000£1,500,000
A common industry shorthand for how income needs map to pot size, not a figure calculated from what you've entered. Your actual number depends on your investments, tax, and how long the pot needs to last. Speak to a regulated adviser for personal guidance.
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