Build Your Work Optional Plan | The Property Circle

Step one — define freedom

What would work optional actually cost?

Start with the monthly life you want—not just the bills you need to cover.

Ideal monthly lifestyle Your Work Optional Number

per month

Include your home, bills, travel, family time and the life you want to enjoy.

Income already independent of work After costs and tax provision

per month

For example: property cash flow, investments, accessible pensions or recurring royalties.

Step two — choose assumptions

Use a preset to start, then adjust the figures to match the type of property you are considering.

Choose an illustrative scenario

Expected net cash flow per property After ongoing costs

per month

Use a realistic planning figure after mortgage, management, maintenance and void provision.

Cash required per purchase Deposit + costs + works

per purchase

This is a planning assumption, not a promise of performance or finance availability.

Step three — locate today

Add the capital you could genuinely allocate and what you can build each month.

Capital available now Keep your safety buffer separate

available

Only include money you may be willing and able to use for investing.

Amount you could build each month For deposits and costs

per month

This helps estimate your runway to one illustrative purchase—before growth, returns or refinancing.