Good morning, Alex
Viewing household finances with Sam
£74,451
You: £28,000 · Sam: £8,200
Annual Cash Flow
Net savings per year
£5,788
Income / month
£3,010
Expenses / month
Household Health Score
Milestones
Want to explore buying a home?
Actions for you
2 itemsExplore buying a home
At £1,600/month rent, explore the Buy a House scenario to compare renting vs. owning over 10–30 years
Stress test your plan
Run a Market Crash stress test to check how resilient your financial plan is to a downturn
Your 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
No scenarios yet
Model life events like buying a home, changing jobs, or starting a pension to see how they affect your trajectory.
Monzo
Easy Access Savings
£12,000
@ 4.5%
Marcus
Cash ISA
£3,200
@ 4%
Vanguard
Stocks & Shares ISA
£4,000
@ 7%
Nest
Workplace Pension (DC)
£12,000
@ 5%
Scottish Widows
Workplace Pension (DC)
£5,000
@ 5%
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