Good evening, Alex
Viewing household finances with Sam
£74,875
You: £28,000 · Sam: £8,200
Try to save at least 20% of your income
Milestones
Actions for you
Considering buying?
If you're considering buying, at £1,600/month rent you could explore the Buy a House scenario to compare renting vs. owning over 10–30 years
Reduce your expense ratio
Your expenses are 95% of take-home pay (£3,010/month). Reducing by £317 frees up meaningful savings capacity
Stress test your plan
Run a Market Crash stress test to check how resilient your financial plan is to a downturn
Turn these into a personalised plan.
Build my planYour Financial Trajectory
Projected year-end values, starting Dec 2026
Model assumptions: Monthly surplus is automatically split across accounts (50% equities, 25% pension, 15% general investment, 10% cash savings). Return rates are nominal — when inflation is enabled, the projection subtracts inflation to use real rates. CGT uses actual cost basis where tracked; 50% gain assumed for older positions. UK state pension uses triple-lock uplift: max(2.5%, inflation) per year. Non-UK income inflates with expenses when enabled.
Active Scenarios
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Model life events like buying a home, changing jobs, or starting a pension to see how they affect your trajectory.
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