last updated 1st May 2022. 1,000k+ GBP.
Text placeholder for update on expenses and calculations*
| type of expense | monthly | yearly | percentage of total spend |
| Mortgage | £1,000 | £12,000 | 35.93% |
| isa | £0 | 0.00% | |
| car upgrade alnce | £200 | £2,400 | 7.19% |
| MOT/Service | £20 | £240 | 0.72% |
| Breakdown | £7 | £84 | 0.25% |
| home improvements | £25 | £300 | 0.90% |
| takeaway | £60 | £720 | 2.16% |
| food | £120 | £1,440 | 4.31% |
| clothing | £15 | £180 | 0.54% |
| life insurance | £13 | £156 | 0.47% |
| water | £17 | £204 | 0.61% |
| water filter | £20 | 0.06% | |
| christmas cards | £30 | 0.09% | |
| stamps | £20 | 0.06% | |
| floor cleaner | £20 | 0.06% | |
| repeat perscriptions | £9 | £108 | 0.32% |
| Investment acc fees | £3 | £36 | 0.11% |
| razors | £3 | 0.01% | |
| flowers | £30 | 0.09% | |
| dentist | £125 | 0.37% | |
| health insurance | £0 | 0.00% | |
| lottery/gamble | £5 | £0 | 0.00% |
| Vitamins | £60 | 0.18% | |
| glasses | £50 | 0.15% | |
| Window cleaning | £0 | £0 | 0.00% |
| fuel | £150 | £1,800 | 5.39% |
| Garden waste | £3 | £36 | 0.11% |
| phone upgrade allowwance | £5 | £60 | 0.18% |
| Phone contract | £3 | £36 | 0.11% |
| gas/elect | £120 | £1,440 | 4.31% |
| distrokid | £0 | £40 | 0.12% |
| council tax | £115 | £1,380 | 4.13% |
| toilet roll | £0 | £36 | 0.11% |
| haircut | £16 | £192 | 0.57% |
| spotify | £0 | £0 | 0.00% |
| netflix | £0 | £0 | 0.00% |
| gifts | £500 | 1.50% | |
| Charity | £0 | £0 | 0.00% |
| Road Tax | £15 | £180 | 0.54% |
| car insurance | £25 | £300 | 0.90% |
| house insurance | £0 | £0 | 0.00% |
| accountant | £0 | £0 | 0.00% |
| internet | £25 | £300 | 0.90% |
| gig | £15 | £180 | 0.54% |
| tv license | £0 | £0 | 0.00% |
| paper | £0 | £0 | 0.00% |
| contact lenses | £25 | £300 | 0.90% |
| shoe repair | £40 | 0.12% | |
| spending | £428 | £5,136 | 15.38% |
| unforseen | £0 | £0 | 0.00% |
| books | £8 | £96 | 0.29% |
| garden stuff | £5 | £60 | 0.18% |
| gym | £55 | £660 | 1.98% |
| cleaner | £0 | £0 | 0.00% |
| Holiday | £100 | £1,200 | 3.59% |
| hobbies | £100 | £1,200 | 3.59% |
| Monthly, Yearly and total pot required (3% SWR). | £2,783 | £33,398 | £1,001,940 |
| 12k par time job placeholder | £1,783.17 | £21,398 | £641,940 |
| 500 interest | £1,741.17 | £20,894 | £626,820.00 |
| 2k dividend allowance | £1,575.17 | £18,902.00 | £567,060.00 |
| 12300 CGT allowance | £550.17 | £6,602.00 | £198,060.00 |
| 12k dividend income taxed | -£449.83 | -£5,398.00 | -£161,940.00 |
| 50k premium bonds | -£615.83 | -£7,390.00 | -£221,700.00 |
| 12.5k Dividends | -£781.83 | -£9,382.00 | -£281,460.00 |
| 500 a month rent | -£947.83 | -£11,374.00 | -£341,220.00 |
| 9k yr state pension | -£1,113.83 | -£13,366.00 | -£400,980.00 |
Financial Independence Nerd 