CanIGoFull-Time?
Your month-by-month path from employed to self-employed PT — including the scary dip in the middle and exactly when you come out the other side.
Career Transition Estimator · Integrity Fitness Education
The numbers
behind the leap.
Thinking about going full-time as a PT? This tool projects what your transition could look like financially — the income dip, the savings runway, and the point you'd come out the other side earning more than you do today. Enter your own numbers and explore the scenarios.
This is an illustrative projection, not a financial guarantee. Results are based entirely on the numbers you enter and simplified tax rules. Real-world income depends on your qualification level, local market, competition, client retention, and many other factors. Speak to a qualified financial adviser before making any major career or financial decisions.
Step 1
Your Current Situation
Where you are financially right now, before you make any changes.
Employed take-home
What lands in your bank each month after tax — not your gross salary, your actual take-home.
Monthly essential expenses
Rent or mortgage, food, transport, utilities — everything you'd need to pay even as a self-employed PT.
Transition savings
Money set aside specifically to cover the income dip. This is your runway — the more you have, the calmer the transition.
Notice period
How long you'll still receive your employed income after handing in your notice. Enter 0 if your contract has none.
Part-time income during transition
OptionalIf you plan to drop hours at your current job (or take a flexible part-time role) while building your PT business, enter your monthly take-home. This fills the gap during your ramp-up and frees hours for PT delivery and marketing.
Step 2
Your PT Business Plan
What your self-employed income could look like once you're qualified and up to speed. Adjust to match your realistic ambitions.
Target 1-to-1 sessions per week
How many personal training sessions per week once your client book is full. Be realistic — most new PTs settle at 15–22.
= £4,333/month gross from 1-to-1s at full capacity
1-to-1 session rate
What you plan to charge per personal training session. Don't undercharge to win clients — it's much harder to raise your rate later.
Time to reach full 1-to-1 capacity
How long to fill your PT client book from scratch. Most new PTs take 9–12 months — planning around this is what separates smooth transitions from stressful ones.
Group fitness classes per week
OptionalIf you plan to run group classes (HIIT, bootcamp, yoga, etc.) these provide income from day one and can be a reliable floor during your ramp-up period.
Monthly PT business costs
OptionalInsurance (~£15/mo), scheduling software (~£20), marketing, travel — the overheads of running your PT business.
Clients you're already training
OptionalIf you've started training clients on the side while still employed, enter how many sessions per week. Even 2–3 existing clients significantly de-risks your transition.
Income buffer
Reduces projected PT income to account for no-shows, illness, holidays, and quiet periods. A 10% buffer produces more realistic projections for most self-employed PTs.
Ready To Start?
Take The First Step.
Whether you're looking to start your journey in personal training or take your existing career to the next level, we have a qualification built around your goals.
