Your household Each person in the household, your home and spending, and the future
Person 1 (you)
1× median, full-time, 2025…
Sex
Person 2 (partner)
Choose a job to set their pay
Sex
Home and spending
Modest80% of the average
First home
Your first home is smaller and sized to your income: 75% of the average price on a typical first-time buyer’s income, less if you earn less, and never bigger than the home above. You move up once you can afford to, after at least three years. If you could afford the full home within three years, you wait and buy that instead.
Frugal75% of typical
Benefits
Child Benefit, Universal Credit and other support you would qualify for
Retirement and outlook
Moving this sets Retire at to your age67
Economic outlook
Children
How many
Both lives use these settings. Only the year of birth changes. Reset to defaults
Assumptions about the future The model’s assumptions about prices, pay, tax, housing and spending
How they link. Pay growth above inflation drives most of the rest: tax thresholds, rents, house prices, essentials and the State Pension all follow it unless you change them. Bank Rate sets mortgage and savings rates. Lines marked Linked update as you move the settings they depend on.
Changing any of these sets the economic outlook to Custom. Each starts at the Central outlook. Reset to the Central outlook

 

 

 

What the model counts, where its numbers come from and what it assumes about the future.

How it works

Age

 

Left to spend over a lifetime

Red and amber: removing these mostly helps. Green: removing these mostly hurts.