How much would life cost with a cleaner, housekeeper, private chef, chauffeur, personal assistant, security or an estate manager? Build the household team you imagine after a lottery win and see the monthly, annual, 10-year and 20-year cost.
The upgraded calculator also lets you enter how much you won, so the staffing bill is measured against the jackpot rather than appearing as an isolated number.
It can range from a relatively modest part-time cleaner or gardener to a six-figure annual household payroll once private chefs, drivers, assistants, security and estate management are combined. The real question is not just “can I afford it this year?” but “what percentage of my win would this lifestyle consume over 10 or 20 years?”
Start with the fun version. Then compare salary-only with a broader employer-cost estimate, add wage rises if you want, and see what the team does to the prize you actually entered.
Enter your win, choose UK or US assumptions, then add the people you would actually want around the house.
Example: enter 10 for £10 million or $10 million. The wage-rise figure is only used when the option below is switched on.
Presets are useful because they show how quickly separate “nice ideas” become one recurring lifestyle cost.
These salary figures are deliberately labelled as illustrative assumptions. Real household-staff rates can vary substantially by location, experience, live-in arrangements, travel, hours and duties.
Regular cleaning and general upkeep — often the first practical quality-of-life hire.
More continuity than a cleaner, helping the home run smoothly day to day.
Garden and grounds care, especially useful when a larger home becomes part of the win.
Shopping, collections, appointments and the small jobs that quietly consume time.
Meal planning and daily cooking — one of the bigger jumps from convenience into luxury staffing.
Private fitness support and accountability; often better tested as a service before becoming permanent.
Education and specialist tuition — a family-focused use of wealth rather than a status hire.
Regular animal care that can add flexibility for travel and family life.
Bookings, diary management and life admin — a role designed to buy back time.
Driving, airports and family logistics without always being behind the wheel yourself.
A visible security role for households where privacy and exposure have genuinely changed.
Coordinates larger homes, staff, contractors, grounds and upkeep — closer to running an operation.
Choose your staff and the calculator will compare the recurring cost with the size of the win you entered.
These are the assumptions built into this calculator. They are there to make the tool usable — not to claim there is one correct salary for every cleaner, chef, driver or estate manager.
| Household role | UK assumption | US assumption | What the number means |
|---|---|---|---|
| Cleaner | £24,000 | $36,000 | Illustrative full-time annual planning figure |
| Housekeeper | £32,000 | $48,000 | Illustrative full-time annual planning figure |
| Gardener | £28,000 | $42,000 | Illustrative full-time annual planning figure |
| Household Assistant / Errands | £28,000 | $42,000 | Illustrative full-time annual planning figure |
| Private Chef | £70,000 | $105,000 | Illustrative full-time annual planning figure |
| Personal Trainer | £40,000 | $60,000 | Illustrative full-time annual planning figure |
| Private Tutor | £35,000 | $52,000 | Illustrative full-time annual planning figure |
| Dog Walker / Pet Carer | £22,000 | $33,000 | Illustrative full-time annual planning figure |
| Personal Assistant | £45,000 | $68,000 | Illustrative full-time annual planning figure |
| Chauffeur / Private Driver | £45,000 | $68,000 | Illustrative full-time annual planning figure |
| Security Guard | £50,000 | $76,000 | Illustrative full-time annual planning figure |
| Estate Manager | £85,000 | $125,000 | Illustrative full-time annual planning figure |
Part-time uses 50% of the full-time assumption and occasional uses 25%. Actual employment status, pay and legal obligations depend on the real arrangement.
This is the cleanest “what if?” number. It multiplies the role assumptions by the people and time settings you choose.
The tool applies an illustrative uplift above salary to acknowledge that real employment may involve costs beyond headline pay. It is deliberately not presented as payroll software.
Tax, pension, insurance, benefits, employment law, overtime and contractor-versus-employee treatment can all matter. Use qualified advice before hiring.
A cleaner is a service. A chef, driver, assistant, security and estate manager together start to behave like an organisation. That changes both cost and lifestyle.
Cleaning, gardening and occasional errands can remove friction without changing the identity of the household.
A chef, PA, driver and tutor can make life smoother, but they also create rotas, payroll, privacy and management decisions.
Once several people, contractors, grounds, security and multiple properties are involved, the question may shift toward whether you need an organised family-office style system.
There is no prize for building the biggest lifestyle fastest. A staged approach makes it much easier to discover which services genuinely improve life.
Start with the jobs you already dislike or cannot keep up with. That may be cleaning, gardening or admin rather than the glamorous roles.
A private chef twice a week or a trainer by the session may give you most of the benefit without immediately creating a full-time employment commitment.
Use the Lottery Win Planner and Money Lifespan Calculator before recurring costs quietly become the new normal.
Staff do not just see the house. They can see routines, travel, family life, valuables and how the household operates. The bigger the win, the more privacy should be designed into hiring from the beginning.
Someone can work professionally in your home without knowing the size of the jackpot, your full asset picture or every family plan.
Convenience is not a reason to rush a person into close access to your family, home and schedule.
For the wider framework, see How to Stay Anonymous After Winning the Lottery.
This is exactly the kind of recurring spending that belongs beside the Biggest Lottery Winner Mistakes guide rather than being treated as an isolated luxury.
Questions about private chefs, chauffeurs, household staff, employer costs and whether a lottery win can support the lifestyle over the long term.
This calculator is for planning, comparison and entertainment. It is not payroll, employment-law, tax, legal or financial advice. Salary figures and uplifts are illustrative assumptions rather than live hiring quotes.