Chris Harper (HELEN MIRREN) and Annie Clarke (JULIE WALTERS) are best friends who live in a small village in the Yorkshire Dales. Chris' husband, Rod (CIARAN HINDS), runs a floral delivery business while their son, Jem (JOHN-PAUL MACLEOD), has a growing interest in both women and drugs.
The latter pales in comparison, however, to the fact that Annie's husband, John (JOHN ALDERTON), is dying from cancer. Following his death and the earlier weeks of sitting in the uncomfortable hospital waiting room, Chris and Annie decide that they should raise money for a comfortable couch and do so through their annual Women's Institute calendar sales.
This time, however, Chris has a radical idea. Rather than shots of flowers or other traditional subjects, she, Annie and others in their group will pose in the nude with various foreground objects in the shots blocking views of anything too explicit.
They eventually convince other women in the group, including Ruth (PENELOPE WILTON), Jesse (ANNETTE CROSBIE), Celia (CELIA IMRIE) and Cora (LINDA BASSETT), to join them, but their decision doesn't sit will with their group's prim leader, Marie (GERALDINE JAMES) or Ruth's husband, Eddie (GEORGE COSTIGAN).
Nevertheless, and with the aid of reluctant photographer Lawrence (PHILIP GLENISTER), the women do their shots, print the calendar and then deal with the unexpected repercussions that follow.