Pilot Training Mentoring

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 the budget calculator below to see how much you can 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 for integrated training.

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

Find Scholarships

Will modular training benefit me?

Yes! If you are on 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. Though, modular training usually takes longer to complete.

Find your nearest airfields

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.

Select Region / Currency

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.

Get in touch

Do you have a question for any of the Pilot Training Mentoring mentors? You can contact Pilot Training Mentoring by email or through the LinkedIn or Discord groups

Pilot Training Mentoring