Good morning, Priya
£170,000
Annual Cash Flow
Net savings per year
£4,200
Income / month
£1,080
Expenses / month
Health Score
Milestones
Actions for you
2 itemsOptimise salary sacrifice
With your income, increasing salary sacrifice saves you ~£1,360/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.
Chase
Easy Access Savings
£15,000
@ 4.1%
Vanguard
Stocks & Shares ISA
£28,000
@ 7%
Trading 212
General Investment Account
£12,000
@ 6%
Aviva
Workplace Pension (DC)
£45,000
@ 6%
AJ Bell
SIPP
£8,000
@ 7%
Primary Residence
Property
£310,000
@ 3.5%
Mortgage
Mortgage
-£230,000
@ 4.2%
SLC
Student Loan
-£18,000
@ 7.3%
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