How much can I afford to invest per month

This tool is designed to help you determine how much disposable income you have available for investment after accounting for your regular and variable monthly expenses. By inputting your monthly gross pay, total cash savings, and various monthly and annual expenses, this calculator will provide you with a clear picture of your financial situation. It also considers your ideal emergency savings pot, which should be 3-6 times your monthly income, to ensure you are financially secure before making investment decisions. Use this calculator to explore the range of income you can comfortably set aside each month for long-term financial growth.

Budgeting and affordability calculator

Regular Obligations (£ per month)

Regular Discretionary (£ per month)

Variable Obligations (£ per month)

Variable Discretionary (£ per month)

Annual Subscriptions (£ per year)

None of your data is stored, so when the window closes, the information is lost. You cannot retrieve it unless you export Print (and save as PDF).

Risk Warning:
Investing involves risks, including the potential loss of capital. Past performance is not indicative of future results. You should carefully consider your investment objectives, level of experience, and risk appetite before making any investment decisions. It is recommended to seek advice from a qualified financial advisor to understand the risks and ensure the suitability of any investment.


  1. Accuracy of Information: The calculations and information provided by this tool are based on the data entered by the user and are intended for informational purposes only. While efforts are made to ensure accuracy, the tool may not account for all personal circumstances and should not be solely relied upon for financial decisions.
  2. Not Financial Advice: The information provided by this tool does not constitute financial advice, investment advice, or any other form of advice. It is general in nature and does not take into account your individual financial situation. For personalized advice, please consult a qualified financial advisor.
  3. No Liability: The creators of this tool are not responsible for any losses or damages resulting from the use or misuse of this tool or the information it provides. Users assume full responsibility for their investment decisions.
  4. Updates and Changes: Financial markets and personal financial situations are subject to change. The creators of this tool do not guarantee that the information provided will remain accurate or applicable in the future.
  5. Use at Own Risk: By using this tool, you acknowledge and agree that you are using it at your own risk and discretion.
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