PLANOVAYour money, planned.
Net worth
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—Assets —Liabilities ——
Your progress at a glance
LiveEach ring fills as you get closer to a goal. Tap a box for the detail.
This month
LiveWritten from your latest figures in Supabase each time you log a month.
Net worth over time
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Countdown
LiveTime from today to each birthday milestone.
Allowances this tax year
LiveWhat you own
LiveThe bar shows how what you own splits up. Under each name is its share of your net worth; the % on the right is growth since you've had it (mortgage: since 31/12/2020; cash: since last month).
Inheritance tax estimate
LiveFrom 6 April 2027 unused pensions count towards your estate. Uses the 2026/27 allowances, frozen until April 2031: the £325,000 nil-rate band, plus the £175,000 residence nil-rate band because your home would pass to your children (reduced above £2 million), and 40% on the rest. Assumes you're single. An estimate, not tax advice.
Not included: a spouse or civil partner (everything left to them is tax-free and unused allowances can pass on), gifts made in the last 7 years, and income tax your beneficiaries may pay on pension money if you die after 75.
Coming up
LiveKey dates from Supabase. Add or change them in the key_dates table.
Checks
WorkbookRule-based prompts from your workbook, not advice.
Spending vs budget
Where take-home pay goes
BudgetEach block is one spending category. Green is what's left. Hover or tap a block for the figure.
Outgoings by category
Your regular costs from the budget, largest first. Money you set aside each month counts as spent on the 1st.
Emergency fund
LiveCash and savings against three months of regular outgoings.
Pay and savings
WorkbookMonthly unless shown.
Home value
—Your area's yearly average price (Land Registry), pinned to what you paid in (), about in , and today's value.
Mortgage left
—Balance on 31 December each year from your mortgage statements, then today.
Overpay your current mortgage
LiveYour tracker allows unlimited overpayments. See what paying extra each month does by the time the deal ends on —.
Holdings
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Investment risk
Your ISARated from 1 (cautious) to 5 (adventurous), mainly by how much the fund holds in shares. A guide to help you think it through, not advice.
Grow your ISA
Live—
Grows each month at the investment return you pick, with your payment added each month, until the age you pick. You can take money out of an ISA at any age. The ISA allowance is £20,000 a tax year (about £1,666 a month). An ISA has no set growth of its own; what it earns depends on how the funds inside it perform. Gains inside an ISA, and money taken out, are free of tax.
Holdings
Fund values from your Vanguard and Royal London apps on —. Highest risk first.
Investment risk
PensionsEach fund is rated from 1 (cautious: cash and money market) to 5 (adventurous: all in shares), mainly by how much it holds in shares. The score is the average, weighted by how much you hold in each. A guide to help you think it through, not advice.
Pension allowance this tax year
LiveOne allowance shared across all your pensions. You may also be able to carry forward unused allowance from the last three tax years.
Projected pot
Income is before tax; take-home after tax is on the Drawdown tab. Nothing is taken out for the mortgage here. The chance it lasts tests your pension against 300 possible futures, with returns going up and down each year but averaging out at your growth rate; it's the share of those where the money lasts to 90.
Compare scenarios
LiveThree saved scenarios beside your current sliders. Withdrawal rate, inflation and target come from the sliders. Tap "Use this" to load one.
Your income each year in retirement
LiveToday's money. Each year you take your withdrawal rate of the pot you retire with, rising with inflation, and the State Pension adds on top from 67.
Pay more into your pension
LiveExtra salary sacrifice on top of your — a month, using the growth and retirement age above.
Bridge years before the State Pension
LiveFrom retiring until 67 there's no State Pension yet, so your income is only what you take from the pension.
— years before the State Pension
Before the tax year ends
Live— days to 5 April, — paydays left. Extra salary sacrifice goes into your pension before tax and National Insurance.
Pension allowance left
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Uses your workbook's pay, tax and National Insurance settings. "Pension allowance left" is the £60,000 annual allowance less what's paid in this tax year; you may also be able to carry forward unused allowance from the last three years. Not advice.
Your pot while you draw a year
LiveTax-free cash: bit by bit or all at once
Spend it all by a certain age
LiveThe most you could take each year (before tax, in today's money, rising with prices) and have £0 left at that age, with steady growth. Tap a row to try that amount.
Amber line = the amount you've picked above ( a year)
Scenarios side by side
LiveEach row is a different yearly withdrawal, using the same growth and retirement age. Tap a row to pick it.
Tax uses 2026/27 income tax bands (Personal Allowance £12,570, basic rate 20%, higher rate 40%), assumed to rise with inflation. No National Insurance is due on pension income. Not tax advice.
Assumptions