Understanding what you spend now — and what you expect to spend through retirement — is the foundation of a realistic retirement plan. Please complete as fully as you can. All totals calculate automatically as you type.
Secure and confidentialTotals calculate automaticallyFCA regulated
Is this for a single client or a couple? *
SingleJoint / couple
Choosing “Joint” adds the Survivor’s Lifestyle column — what the surviving partner would need to spend.
Name(s) *
Email address *
Selected retirement age *
Date *
I am entering figures as:Totals show both monthly and annual figures either way.
Please enter all figures in today’s pounds — there is no need to allow for future inflation.
Enter whatever you can and leave anything that does not apply blank. Current Lifestyle is what you spend today. At Selected Retirement and Post Age 75/80 are your future desired lifestyle at those points.
Basic Expenses ESSENTIAL
Current Lifestyle
Survivor's Lifestyle
At Selected Retirement
Post Age 75/80
Electricity
Current
Survivor's
At Retirement
Age 75/80
Gas
Current
Survivor's
At Retirement
Age 75/80
Water Rates
Current
Survivor's
At Retirement
Age 75/80
Council Tax
Current
Survivor's
At Retirement
Age 75/80
Home Telephone
Current
Survivor's
At Retirement
Age 75/80
Repairs & Renewals
Current
Survivor's
At Retirement
Age 75/80
Solid Fuel
Current
Survivor's
At Retirement
Age 75/80
Oil
Current
Survivor's
At Retirement
Age 75/80
Garden / Gardener / Plants etc
Current
Survivor's
At Retirement
Age 75/80
Help in House
Current
Survivor's
At Retirement
Age 75/80
House & Contents Insurance
Current
Survivor's
At Retirement
Age 75/80
Other Insurance
Current
Survivor's
At Retirement
Age 75/80
TV Licence
Current
Survivor's
At Retirement
Age 75/80
Sky / Digital TV / Modems
Current
Survivor's
At Retirement
Age 75/80
Any Other Expenses
Current
Survivor's
At Retirement
Age 75/80
Alarm
Current
Survivor's
At Retirement
Age 75/80
Internet
Current
Survivor's
At Retirement
Age 75/80
Housekeeping, Food, etc
Current
Survivor's
At Retirement
Age 75/80
Wines & Spirits
Current
Survivor's
At Retirement
Age 75/80
Laundry & Dry Cleaning
Current
Survivor's
At Retirement
Age 75/80
Pet Foods
Current
Survivor's
At Retirement
Age 75/80
Holiday Home Expenses
Current
Survivor's
At Retirement
Age 75/80
Other Private Annual Expenses
Current
Survivor's
At Retirement
Age 75/80
TOTAL
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Children & Grandchildren Expenses ESSENTIAL
Current Lifestyle
Survivor's Lifestyle
At Selected Retirement
Post Age 75/80
Childcare / Baby Sitters
Current
Survivor's
At Retirement
Age 75/80
Education Expenses
Current
Survivor's
At Retirement
Age 75/80
Pocket Money
Current
Survivor's
At Retirement
Age 75/80
Other Children's Expenses
Current
Survivor's
At Retirement
Age 75/80
TOTAL
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Leisure Expenses NON-ESSENTIAL
Current Lifestyle
Survivor's Lifestyle
At Selected Retirement
Post Age 75/80
Own Clothing & Footwear
Current
Survivor's
At Retirement
Age 75/80
Partner's Clothing & Footwear
Current
Survivor's
At Retirement
Age 75/80
Cigarettes & Tobacco
Current
Survivor's
At Retirement
Age 75/80
Eating Out
Current
Survivor's
At Retirement
Age 75/80
Christmas & Birthday Presents
Current
Survivor's
At Retirement
Age 75/80
Holidays
Current
Survivor's
At Retirement
Age 75/80
Sports / Hobbies
Current
Survivor's
At Retirement
Age 75/80
BUPA / PPP / WPA Health Insurance
Current
Survivor's
At Retirement
Age 75/80
Mobile Phones
Current
Survivor's
At Retirement
Age 75/80
CDs / Books / Newspapers
Current
Survivor's
At Retirement
Age 75/80
Other Misc. Spending Money
Current
Survivor's
At Retirement
Age 75/80
Gifts to Charities
Current
Survivor's
At Retirement
Age 75/80
Travelling Expenses other than Motoring
Current
Survivor's
At Retirement
Age 75/80
Other Personal Expenses
Current
Survivor's
At Retirement
Age 75/80
TOTAL
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Cost of Servicing Debts ESSENTIAL
Current Lifestyle
Survivor's Lifestyle
At Selected Retirement
Post Age 75/80
Mortgage on Main Residence
Current
Survivor's
At Retirement
Age 75/80
Mortgage on Other Property
Current
Survivor's
At Retirement
Age 75/80
Hire Purchase
Current
Survivor's
At Retirement
Age 75/80
Bank Loans
Current
Survivor's
At Retirement
Age 75/80
Bank Charges
Current
Survivor's
At Retirement
Age 75/80
Maintenance Payments
Current
Survivor's
At Retirement
Age 75/80
Other Similar Expenses
Current
Survivor's
At Retirement
Age 75/80
TOTAL
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Motoring Expenses ESSENTIAL
Current Lifestyle
Survivor's Lifestyle
At Selected Retirement
Post Age 75/80
Car Tax
Current
Survivor's
At Retirement
Age 75/80
Car Insurance
Current
Survivor's
At Retirement
Age 75/80
Petrol & Oil
Current
Survivor's
At Retirement
Age 75/80
Servicing & Repairs
Current
Survivor's
At Retirement
Age 75/80
AA / RAC Subscription
Current
Survivor's
At Retirement
Age 75/80
Annual Depreciation
Current
Survivor's
At Retirement
Age 75/80
Other Motoring Expenses
Current
Survivor's
At Retirement
Age 75/80
TOTAL
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Investment & Life Assurance ESSENTIAL
Current Lifestyle
Survivor's Lifestyle
At Selected Retirement
Post Age 75/80
Life Assurance Premiums
Current
Survivor's
At Retirement
Age 75/80
Endowment Premiums
Current
Survivor's
At Retirement
Age 75/80
Pension Contributions
Current
Survivor's
At Retirement
Age 75/80
Regular Saving in Building Society
Current
Survivor's
At Retirement
Age 75/80
Regular Saving in ISAs etc
Current
Survivor's
At Retirement
Age 75/80
Other Savings & Investment
Current
Survivor's
At Retirement
Age 75/80
TOTAL
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Professional Fees ESSENTIAL
Current Lifestyle
Survivor's Lifestyle
At Selected Retirement
Post Age 75/80
Accountant's Fees (non business)
Current
Survivor's
At Retirement
Age 75/80
Dentist's Fees
Current
Survivor's
At Retirement
Age 75/80
Doctor's Fees / Prescriptions
Current
Survivor's
At Retirement
Age 75/80
Financial Planner's Fees
Current
Survivor's
At Retirement
Age 75/80
Optician's Fees
Current
Survivor's
At Retirement
Age 75/80
Osteopath / Chiropractor Fees
Current
Survivor's
At Retirement
Age 75/80
Veterinary Surgeon's Fees
Current
Survivor's
At Retirement
Age 75/80
TOTAL
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Overall Summary
Updates automatically as you type
Current Lifestyle
Survivor's Lifestyle
At Selected Retirement
Post Age 75/80
Housekeeping Expenses (ESSENTIAL)
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Children & Grandchildren Expenses (ESSENTIAL)
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Personal Expenses (NON-ESSENTIAL)
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Cost of Servicing Debts (ESSENTIAL)
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Motoring Expenses (ESSENTIAL)
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Investment & Life Assurance (ESSENTIAL)
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Professional Fees (ESSENTIAL)
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
OVERALL TOTAL — Per Month
Current£0
Survivor's£0
At Retirement£0
Age 75/80£0
Total expenditure — monthly and annual
Current Lifestyle
£0
per month
£0
per year
Survivor's Lifestyle
£0
per month
£0
per year
At Selected Retirement
£0
per month
£0
per year
Post Age 75/80
£0
per month
£0
per year
Notes from you
Your signature *Typing your name here and submitting this form is your electronic signature.
Declaration
I confirm that the expenditure figures provided are accurate to the best of my knowledge and are intended to help Retirement Professionals understand my circumstances as part of my financial planning.
I confirm the above and consent to Retirement Professionals using this information as part of my financial planning.
Thank you
Your expenditure questionnaire has been received. Your adviser will review your figures and be in touch to discuss what they mean for your retirement plan.