Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
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Sencillo is an appointed representative of Creative Finance Limited (FRN 702435) who is regulated and authorised under the Financial Conduct Authority (FCA). All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is an appointed representative of Creative Finance Limited (FRN 702435) who is regulated and authorised under the Financial Conduct Authority (FCA). All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is an appointed representative of Creative Finance Limited (FRN 702435) who is regulated and authorised under the Financial Conduct Authority (FCA). All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is an appointed representative of Creative Finance Limited (FRN 702435) who is regulated and authorised under the Financial Conduct Authority (FCA). All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is an appointed representative of Creative Finance Limited (FRN 702435) who is regulated and authorised under the Financial Conduct Authority (FCA). All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Early Years Learning.
Early Years Learning.
Average cost (UK) for Nursery / Childcare per year vary greatly, depending on age and eligibility for Government funded hours.
eg: Part-time + Eligible: £3,666
vs Full-time + Ineligible: £15,700
Estimates based on Coram Childcare Survey 2025.
Average cost (UK) for Nursery / Childcare per year varies greatly depending on age and eligibility for Government funded hours.
eg: Part-time + Eligible: £3,666 vs,
Full-time + Ineligible: £15,700
Estimates based on Coram Childcare Survey 2025.
~£3.6k to £15k+ p/a
~£3.6k to £15k+ p/a
~£3.6k to £15k+ p/a
est. 5% increase in the UK since 2024
est. 5% increase in the UK since 2024
est. 5% increase in the UK since 2024
~£19k to £50k+ p/a
~£19k to £50k+ p/a
~£19k to £50k+ p/a
20% VAT was added Jan 2025
20% VAT was added Jan 2025
20% VAT was added Jan 2025
Independent Schooling.
Independent Schooling.
In the UK, the average annual cost of Independent School is ~£19,000 p/a (day school), and £50,000 p/a (boarding). See the brilliant GoodSchoolsGuide.co.uk for more info.
In the UK, the average annual cost of Independent School is ~£19,000 p/a (day school), and £50,000 p/a (boarding).
See the brilliant GoodSchoolsGuide.co.uk for more info.
University.
University.
Average 3-Year degree is *£68,100.
*Max Tuition costs p/a = £9,500
*Av. Living costs p/a = £13,200
Average 4-Year degree is ~£90,800
(+1 year at the same rate)
Great resources at 'savethestudent.co.uk'
Average 3-Year degree is *£68,100.
*Max Tuition costs p/a = £9,500
*Av. Living costs p/a = £13,200
Average 4-Year degree is ~£90,800
(+1 year at the same rate)
Great resources at 'savethestudent.co.uk'
~£22.7k+ p/a.
~£22.7k+ p/a.
~£22.7k+ p/a.
Av. Maintenance Loan (£640pm), falls £502p/m short of av. living costs
Av. Maintenance Loan (£640pm), falls £502p/m short of av. living costs
Av. Maintenance Loan (£640pm), falls £502p/m short of av. living costs
Whitepaper out now!
Whitepaper out now!
True Cost of Education 2026
True Cost of Education 2026
Real data
Real data
Honest insights
Honest insights
Simple guidance
Simple guidance
Exploring the realities of education funding: insights from parents, students and specialists, government data, policy and support, and what it all means for families in 2026 and beyond.
Exploring the realities of education funding: insights from parents, students and specialists, government data, policy and support, and what it all means for families in 2026 and beyond.
At Sencillo, we believe families deserve to feel informed and supported when making education decisions. This white paper was created to offer families clarity, composure and confidence when planning their child’s education. It walks them through the full path from ages 0 to 21; sets out the real costs families face; explains the changes reshaping affordability; and offers practical insight to support better planning.
At Sencillo, we believe families deserve to feel informed and supported when making education decisions. This white paper was created to offer families clarity, composure and confidence when planning their child’s education. It walks them through the full path from ages 0 to 21; sets out the real costs families face; explains the changes reshaping affordability; and offers practical insight to support better planning.
Plan, fund and manage your family education costs!
Plan, fund and manage your family education costs!
Plan, fund and manage your family education costs!
Plan, fund and manage your family education costs!
Start planning with confidence
Start planning with confidence
Allocate funds – Savings & Inheritance – to plan ahead
Allocate funds – Savings & Inheritance – to plan ahead
Allocate funds – Savings & Inheritance – to plan ahead
Smart tools to calculate costs and see the big picture
Smart tools to calculate costs and see the big picture
Smart tools to calculate costs and see the big picture
Access a regulated Marketplace of tailored financial products.
Access a regulated Marketplace of tailored financial products.
Access a regulated Marketplace of tailored financial products.
Join other parents helping shape Sencillo and get early access.
Build a plan, build confidence.
Join other parents helping shape Sencillo and get early access.
Build a plan, build confidence.
Future-proof their education today
Contributions from leading voices in Family Finance, Wealth Management and Education
Contributions from leading voices in Family Finance, Wealth Management and Education
“I hear the same thing again and again: ‘I should feel more secure than this, but I don’t.’
A ‘good’ income doesn’t stretch
the way it used to.”
“I hear the same thing again and again: ‘I should feel more secure than this, but I don’t.’
A ‘good’ income doesn’t stretch
the way it used to.”
“I hear the same thing again and again: ‘I should feel more secure than this, but I don’t.’
A ‘good’ income doesn’t stretch the way it used to.”
Philly Ponniah
Philly Ponniah
Mum of two boys, Chartered Wealth Manager at Philly Financial.
Sencillo Ambassador
Mum of two boys, Chartered Wealth Manager at Philly Financial.
Sencillo Ambassador
“For many years, families and students were told not to worry too much about student debt. It’s a shame, because many families could have taken simple, positive action earlier, if they’d had clearer information.”
“For many years, families and students were told not to worry too much about student debt. It’s a shame, because many families could have taken simple, positive action earlier, if they’d had clearer information.”
“For many years, families and students were told not to worry too much about student debt. It’s a shame, because many families could have taken simple, positive action earlier, if they’d had clearer information.”
Cem Eyi
Cem Eyi
Father and co-founder of KidStart and award winning The Beanstalk Savings App
Father and co-founder of KidStart and award winning The Beanstalk Savings App
“What we’ve seen over a long period is that school fees are massively outstripping income growth. Families who would once have comfortably afforded private education are now being priced out.”
Melanie Sanderson
Mum of two boys and Managing Editor at The Good Schools Guide
“What we’ve seen over a long period is that school fees are massively outstripping income growth. Families who would once have comfortably afforded private education are now being priced out.”
“What we’ve seen over a long period is that school fees are massively outstripping income growth. Families who would once have comfortably afforded private education are now being priced out.”
Melanie Sanderson
Melanie Sanderson
Mum of two boys, Managing Editor at The Good Schools Guide and leading voice in Private Education
Mum of two boys, Managing Editor at The Good Schools Guide and leading voice in Private
Real data
Honest insights
Simple guidance
Connect to Content
Add layers or components to swipe between.
Exploring the realities of education funding: insights from parents, students and specialists, government data, policy and support, and what it all means for families in 2026 and beyond.
At Sencillo, we believe families deserve to feel informed and supported when making education decisions. This white paper was created to offer families clarity, composure and confidence when planning their child’s education. It walks them through the full path from ages 0 to 21; sets out the real costs families face; explains the changes reshaping affordability; and offers practical insight to support better planning.
NB. Hilariously the audio came out with an American accent… 😆
Whitepaper out now!
True Cost of Education 2026
0:00/1:34
"It's as much as a mortgage to have her in nursery while I work, and such a huge % of my monthly earnings"
"It's as much as a mortgage to have her in nursery while I work, and such a huge % of my monthly earnings"
Mother with a child at Nursery, South East, UK.
Hands up if you know
the average cost of the full education journey?
Hands up if you know the average cost of the full education journey?
Hands up if you know the
average cost of the full education journey?
