Good morning, Sarah
Viewing household finances with Tom
£662,160
You: £488,500 · Tom: £85,000
Annual Cash Flow
Net savings per year
£7,615
Income / month
£3,540
Expenses / month
Household Health Score
Milestones
Actions for you
2 itemsOptimise salary sacrifice
With your income, increasing salary sacrifice saves you ~£1,200/year in income tax and National Insurance. Explore this in the simulation
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.
Nationwide
Easy Access Savings
£22,000
@ 3.5%
Fidelity
Junior ISA
£18,000
@ 5%
Nutmeg
Stocks & Shares ISA
£42,000
@ 6.5%
Standard Life
Workplace Pension (DC)
£145,000
@ 5.5%
Teachers Pension
Defined Benefit (DB)
£0
Aegon
Workplace Pension (DC)
£85,000
@ 5%
Primary Residence
Property
£450,000
@ 3%
Mortgage
Mortgage
-£180,000
@ 3.8%
Santander
Car Loan
-£8,500
@ 5.9%
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