Is PTM for me?

This PTM group is for everyone. It doesn't matter how old you are, where you come from, or how much money you have.
This group is for everyone with a dream to fly, even if you can't afford an integrated scheme.

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Why do thousands of aspiring pilots choose the modular training route?

Modular (pay-as-you-go) is accessible to everyone regardless of background or finance!

MYTH BUST: Modular also allows you to continue working whilst training!
The first step is the most difficult, to get started...
① Find your local airfield here.
② Then, check the next steps here to train without needing a loan.

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What is the cost to join PTM?

The group is free. All webinars and mentoring are provided free of charge.
Check out this important document regarding the free webinars.

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Pilot Training Budget & Financing Calculator

Use this interactive tool to:

  • Estimate your monthly budget,
  • Set up your modular training flight plan,
  • Calculate potential loan repayments.

Modular flight training is the most affordable way to become a pilot because you pay as you go and stay in control of your budget. Note ❗ This tool is a guide only and does not take into account factors such as inflation, exchange rate fluctuations or changes in the cost of living. Please use many different sources to inform yourself and check local prices, currency exchange rate and cost of living before making any life changing decisions.❗

Monthly Budget Calculator How much can you afford?

Work out what you can consistently put toward your training from your current salary.

Monthly Income (Net after tax) £2,500
Living Expenses (Rent, Utilities, Food) £1,200
Discretionary (Entertainment, Eating out) £300
Existing Savings/Investments Commitments £200
Estimated Modular Flight Costs Total: £54,000
PPL License
£10,000
Hour Building (100h)
£14,000
ATPL Ground School
£2,500
CPL Training
£7,000
ME Training
£4,050
IR Training
£18,600
Your Affordable Monthly Training Budget:
£800
Available to fund your flight hours each month.
Financing & Payback Calculator Borrowing Options

If you are lucky enough to have access to secured finance (a loan or equity) include the amount below.

  • use any loan at the end of your flight training, not the beginning.
  • The ME-IR course and final exams are the most expensive so any extra finance or a loan is most productively spent towards the end to guarantee a pass.

Financed Amount (Loan size) £0
Payback Term (Years) 5 Years
Typical Interest Rate (per year) 6.5%
Monthly Loan Repayment: £391
⚠️ Alert: The monthly loan payment exceeds your affordable monthly training budget. Consider increasing the payback term or reducing the loan amount.
✓ Affordable: Your monthly training budget comfortably covers this loan repayment with room to spare!
ℹ️ Repayment Note: Since your payback term is 30 years or more, please consider re-assessing repayments and increasing the loan repayment immediately when earning a pilot salary!
Estimated Training Timeline
Estimated Total Training Duration: ~3.6 years
Comparison: Typical integrated schemes take 1.5–2 years, but lock you into £110,000+ debt from day one.
ℹ️ Timeline Note: Assess your budget to ensure this career choice is for you. It's also ok to do a PPL as a hobby and not fly commercially.

It is really possible without any finance?

Through a selection of guides we hope to show you that your dream is achievable with the right guidance and support, as long as you remain consistent in your goal.

The route to the flight deck from 0 hours!

PTM started with a post outlining the steps you can take to become a pilot from 0 flying hours.

This guide is for the aspiring pilot with a dream to work as a commercial pilot without £120,000!

Become a pilot step by step guide

…Don't dream it, do it ✈️

" But I'm saving up first." - Saving up won't help you.

Use your correct currency in the budget calculator below to see how much you can consistently afford.

You need to earn money to pay for lessons.
Get a job. Start small. Stay consistent.

Ignore bad advice

But without a Scholarship I can't do it!

The pilot career is still accessible to you.
With the right attitude and mindset a pilot career is possible even if you don't have financial support.

Try the first step: find a flying club and do a flying lesson.

Find your nearest airfields

Will modular training benefit me?

Yes! If you have a budget, modular training lets you split the cost over time. Finance is not required (typically half the cost of integrated training).

You can choose where and when you train. Modular training takes longer but there are scholarships available.

Find Scholarships

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