Dashboard
Your complete financial picture at a glance.
Net worth over time
Add or update an account to start tracking your net worth over time.
Asset allocation
Add some assets to see your allocation.
Assets by category
Liabilities by category
Assets vs Liabilities
Select a row to delete it. Each month is saved automatically — use ‹ › above to look back as your history builds.
| Name | Category | Type | Value | Change |
|---|
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Expense breakdown
Joint account
Income
| Label | Category | Cadence | Amount | Monthly |
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Expenses
| Label | Category | Cadence | Amount | Monthly | Actual | Variance |
|---|
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Savings goals
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Compound interest is the growth you earn on both your original money and the
returns it has already generated. Regular top-ups and a higher rate accelerate it,
but time is the biggest factor — the longer it compounds, the steeper the curve.
This is a simplified illustration — not financial advice.
It assumes a fixed rate every year; real returns vary, and inflation, fees and taxes
all reduce what you actually keep.
Growth over time
Year-by-year breakdown
| Year | Contributions | Interest earned | Total with interest |
|---|
Amortization is how a loan is paid off over time — each payment covers the interest
first, with the rest chipping away at the balance. Early payments are mostly interest;
overpaying goes straight at the balance, cutting both the term and total interest paid.
This is a simplified estimate — not financial advice.
Your actual repayments depend on your lender's terms (fees, rate changes, compounding
method); check with them before making decisions.
Balance over time
Got spare money each month? You can throw it at the mortgage or invest it — this compares
both over the life of your mortgage. Overpaying gives a guaranteed
return: every pound knocks interest off the loan at your mortgage rate and clears
it sooner. Investing carries risk but can earn more over the long run.
Both routes spend exactly the same each month — the difference is timing. Overpay and the
loan clears early, freeing up the mortgage payment; from then on that payment plus
your spare cash is invested at your assumed return for the rest of the term. Invest
instead and your spare goes to work from day one while the mortgage runs its full course.
Either way the home is owned outright by the end of the term, so its value
is added to each total — the real difference is the investment pot each builds. Splitting
your spare across the two is often a sensible middle ground.
This is a simplified estimate — not financial advice.
Investment returns aren't guaranteed and vary year to year; it ignores tax, fees, house-price
changes, early access to pots, and changes to your rate. Treat it as a rough guide.
Overpay the mortgage
SuggestedThrow the spare at the loan first, then invest the freed-up payment once it's clear.
Invest the spare
SuggestedPay the mortgage off on its normal schedule and invest the spare from day one.
Total wealth over time
Your FIRE number is the pot that lets you cover your annual spending by withdrawing a
small percentage of it each year. The classic 4% rule (from the Trinity
Study) targets 25× your annual spending and historically lasted about 30
years. A lower withdrawal rate means a larger target pot but more safety — early retirees
with a 35+ year horizon often use ~3.5% (about 29×) and aim for more than 25×.
This is a simplified, hypothetical projection — not financial advice.
It assumes steady average returns and a fixed withdrawal rate. Real markets are
volatile: poor returns early in retirement (sequence-of-returns risk), inflation,
fees, taxes, and a longer-than-expected life can all mean your money runs out
even after reaching your FIRE number. Treat it as a rough guide and consult
a qualified financial adviser before making decisions.