You all seem to have forgot about living expenses and accomodation while training. These figures are pretty accurate for modular, regardless of what the school marketing depts tell you!
PPL 5,000
IMC, Night, Multi, 100hrs building, accomodation, exps etc 12,000
ATPL groundschool, accomodation, exps etc 10,000
CPL 5,000
IR 12,000
MCC 3,000
£47K all in. These figures are realistic but based on full time study.
You could do it cheaper by cutting out the accomodation costs and choosing a school close to home. I think people take for granted the full time ATPL groundschool, and how much it really costs.
Dont forget while you're doing all this, you'll spend money on insurance renewals, car tax, servicing, normal bills etc.
This game aint cheap!!!