Dream Life · Quick Calculator
Lottery Lifestyle Calculator: Build Your Dream Life
Use this free lottery lifestyle calculator to explore an imaginary win. Enter your spendable starting amount, choose a dream home and other purchases, then see how regular living costs might affect the money left over 40 years.
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How to start your lottery spending plan
Enter a spendable starting pot, such as £1 million or £25 million. This quick calculator does not require you to select a country, calculate lottery odds or complete an imaginary tax return.
Plan lottery purchases, family gifts and living costs
Try changing the cost of a home, gifts to family, travel and everyday living. Large purchases reduce the capital available for investments; annual commitments affect what remains over time.
How long could your lottery winnings last?
The forecast combines your choices with assumed investment growth and living-cost inflation. Results are illustrations rather than promises: actual returns, taxes and timing can change what happens.
Frequently asked questions
Is the amount before or after lottery taxes?
Enter the amount you want available to spend. The quick calculator treats it as your starting pot; it does not automatically deduct prize taxes.
How long could £10 million last?
That depends on upfront purchases, annual spending, growth and inflation. Try £10 million and vary the spending controls to see how the projection changes.
Can I explore every household cost?
Yes. Open Dream Life In Depth for individual spending categories, life events and the detailed annual spreadsheet.