How much can you realistically invest?
Make room for today, a safety net for tomorrow, and investing at your own pace.
What do you take home?
£
After tax, what actually lands in your account.
Do you have kids?
Are you investing already?
Your investing guideline
£312/month
Start here, automate it, and raise it whenever your income does.
Your month, split up
Essentials (rent, bills, food, transport)£1,500
What you told us you must pay every month.
Debt payments£0
Expensive debt beats any investment return — clear it first.
Kids buffer£0
Extra room for childcare, clothes, school and the surprises.
Safety net top-up£780
Until you hold £4,500 — 3 months of essentials.
Invest£312
About 11% of your income.
Flexible / life£208
Yours to spend without guilt. A plan you hate is a plan you drop.
Where to put it in United Kingdom
- Account to look at first
- Stocks & Shares ISA
- Commonly used fund
- S&P 500 or global UCITS ETF (GBP listing)
- Tax, in plain words
- Money inside an ISA grows free of UK tax on gains and dividends, up to the yearly ISA allowance. Outside an ISA you have smaller tax-free allowances.
Illustrative figures · Regulation: FCA / ESMA · Education, not financial advice.