Income planning
Retire on dividends calculator
Estimate how much invested capital you need to target a monthly dividend income stream. This reuses the monthly income target engine so glossary links resolve to a live calculator instead of a dead page.
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.