YEAR ONE / PLAN

Savings / Buffer Estimator

Work through your circumstances to choose a cash-buffer target before relying on the practice - and see the savings gap to reach it.

What must your buffer cover?

The monthly cash you must cover, and what you can put toward it.

Example figures - replace these with your own.

Currency

Monthly household amount I need to coverThe amount you personally need to provide, after any dependable partner or household income.Monthly practice costsThe minimum recurring cost of keeping the practice open.One-off setup costs still to fundInsurance, hardware, software, registration or similar - added once, not per month.Current usable savingsCash you can genuinely use for the transition - not every balance.

Core monthly exposure£3,500

Known additional cost (optional)

Known additional cash commitmentA known, unavoidable near-term cost not already in your household, practice or setup figures - for example a planned move or an essential replacement.

How exposed is the move?

These two choices set your Year One planning range - nothing else.

How will you move into the practice?

How much work can you genuinely see?

YEAR ONE PLANNING RANGE6–8 months

You're planning to rely on the practice immediately, with active opportunities but limited committed work. Your current circumstances suggest planning around the middle of this range.

Choose your buffer

Pick the months you want to plan for, and see the cash target.

6–8 months recommended

7 months

Your choice: 7 months · Within the Year One planning range.

£26,500Buffer target

7 months of core exposure plus remaining one-off costs.

£14,000 saved → £12,500 still to build

Current buffer vs target

Current buffer£14,000

Target buffer · 7 months£26,500

Short of target by £12,500.

Build another £12,500 before relying fully on the practice.

Why this range

You expect to rely on the practice immediately.

Some work is visible, but it is not yet firmly committed.

You still have £2,000 of setup costs to fund.

Your figures are saved on this device.

This is a planning tool, not financial advice. The planning ranges are Year One planning guidance based on your transition and work visibility - not universal financial rules or industry benchmarks.