Calculator
Monthly income target calculator
Work backward from the monthly income you want and see how much capital the plan might require after tax. This view also estimates how long it may take to reach that target.
Use this for planning only. Dividend cuts, taxes, and FX can change real outcomes.
Use this as a planning calculator, not as a guarantee. Taxes, cuts, and FX can move the real outcome.
Net yield after tax
3.25%
Gross yield reduced by your withholding assumption.
Capital needed
£369,231
Required to produce £12,000 per year net.
20-position portfolio target
£18,462
Rough per-position capital if you spread the income plan across 20 holdings.
Years to target
15 years
Based on current capital, annual saving, and expected total return.
Planning summary
Annual income target
£12,000
Current benchmark market
FTSE 100
Base market yield
3.25%
Higher-yield markets can reduce the capital required, but the tradeoff is often more concentration risk, tax complexity, or weaker dividend stability. Use this page to compare what feels realistic for your target lifestyle.