Good morning, Marco
$355,000
Annual Cash Flow
Net savings per year
$10,400
Income / month
$5,530
Expenses / month
Health Score
Milestones
Want to explore buying a home?
Actions for you
3 itemsExplore buying a home
At £3,500/month rent, explore the Buy a House scenario to compare renting vs. owning over 10–30 years
Reduce your expense ratio
Your expenses are 638% of take-home pay (£5,530/month). Reducing by £87 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
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.
Emirates NBD
Easy Access Savings
$30,000
@ 4%
Mashreq
High-Yield Savings
$25,000
@ 4.5%
Interactive Brokers
General Investment Account
$45,000
@ 7%
Zurich International
Workplace Pension (DC)
$35,000
@ 6%
Apartment in Milan
Property (abroad)
$220,000
@ 2.5%
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