The Semi-Retirement Project
Lifetime Split Calculator
Sketch a year between Thailand and the UK, then see what it really costs when you add one-offs and a quiet buffer.
Your year on purpose
Start with a simple 12‑month split, then tune the monthly costs to match how you'd actually live.
Total is always 12 months. Nudge the Thailand side and the UK adjusts automatically.
£
Think rent, food, transport and day‑to‑day life for a settled month.
£
The version of the UK you actually want to live in, not the bare minimum.
£
Flights, visas, renewals, gear upgrades – the chunky things that show up once or twice a year.
%of base annual total
A gentle buffer for surprises. Defaults to 5%, capped at 20%.
Calm, honest numbers
Everything rolls up into a single annual total and a true monthly average, so you can see if the story matches your money.
True monthly average
£3,456.25
Based on £41,475 per year.
- Thailand (7 months)
- £17,500
- UK (5 months)
- £19,000
- One‑off costs
- £3,000
- Base annual total
- £39,500
- Contingency (5.0%)
- £1,975
- Total annual cost
- £41,475