One-page tool

See what spending really costs.

Enter your annual salary once, use UK tax rates automatically, and turn everyday purchases into a capitalised lifetime-wealth number.

Calculator

Your salary sets a simple UK income-tax proxy. The calculator then converts any expense into the capital you would need to throw off that spend forever.

UK tax proxy will appear here.

Try an example

How to read it. A lower assumed return means a larger wealth hit, because you need more principal to generate the same spend. We are deriving a present value, not a future value.

Compare potential savings

Save a few expenses, then export them as a CSV for your spreadsheet.

Expense Annual cost Return Tax proxy Capital needed Pre-tax earnings
No saved scenarios yet. Calculate an expense and add it to the comparison.
Total annual cost
£0
Total capital needed
£0

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