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Lifestyle planner

Saving a bit could be easier than you think. And our lifestyle calculator can help you.

Take all those little items we take for granted, like the odd coffee or magazine. Individually they don't amount to much, but you'd probably be surprised to find how quickly the money adds up.

See for yourself. Simply make a note of them in the calculator below. And it will show you how much they add up to each month. Cutting out just a few of these items and investing the money in your pension could help provide you with a bigger fund when you retire.

How much do you spend on the little extras?

How much do you spend on the little extras?

Take a look at the list below to calculate how much you spend on little extras each month. We've put in some amounts for each category. You can change them to show how much you spend.

Treat
Times per week
Cost per unit1
Coffee or tea Snacks Soft drinks Magazines Take-away meals Glasses of wine Pints of beer or lager Packet of cigarettes Taxis

Important notes

  1. Cost per unit is based on Scottish Life internal research
  2. We've based our calculations on an average month of 4.35 weeks.

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