Net worth
£0.00
0 accounts
Every savings vehicle and your monthly budget in one place, stored in a plain JSON file on your own machine. Nothing leaves your computer.
Enter what you paid and the date you bought it, then use True up to record today's value — that gives a real growth rate over your actual holding period.
Premium Bonds are prize-based, so there's no fixed yield — we'll track prizes won in a later step.
A mortgage is a liability. After creating it, add the individual parts (sub-agreements) with their balances and rates.
The single figure your lender collects for the whole mortgage. Used for budgeting only — it is what appears under Housing and what the allocation engine treats as committed. The parts keep their own calculated payments for posting, interest splits and time to pay off, and the calculated total is shown alongside so you can see whether the two agree.
Link this mortgage to a property asset to track its value with a full valuation history. The property is then counted once, as an asset, with the mortgage as the debt against it.
Salary sacrifice or an employer contribution — money that reaches the pension without passing through your take-home. It consumes the annual allowance, so it is reserved against lump sums, but it is not deducted from the pay you have to allocate. Leave regular contributions on the Budget tab for amounts you pay out of take-home.
Pensions are included by default. Tick this for an ISA or investment account you intend to draw on in retirement — tax-free withdrawals are often the cheapest way to bridge the years before a pension starts.
Keeps it out of the payday allocation. Useful for a company pension you only contribute to through payroll, or any account you would rather not add lump sums to. It still counts towards net worth, allowances and retirement projections — this only stops the allocation recommending money into it.
This account is prize-based, so it has no fixed expected yield.
Use the date of the statement this balance came from — interest accrues daily, so this sets where the ledger starts.
Number of monthly payments left — the balance is amortised over exactly this many, so match your lender's remaining-payment count (often one fewer than a "term remaining" of X years Y months).
Interest-only: the monthly payment covers interest only and the balance doesn't reduce — the capital is due at the end of the term.
Rows are matched against this ledger on date, direction and exact amount; anything already present is skipped. Detail text mentioning interest, dividends, prizes and similar is tagged as a return — everything else is treated as capital, and you can change any entry afterwards.
A deliberate overpayment on top of the bills, to absorb the months when something comes in higher than budgeted. It is counted as part of living expenses, so it is set aside rather than allocated.
The day your pay lands. Regular contributions and mortgage payments are assumed to go out on the same day, and it is what triggers the reminder to record them.
Figures for the current UK tax year. Defaults follow the standard rules; change them if your circumstances differ.
The overall allowance is shared across every ISA you hold. Since April 2024 you may pay into more than one ISA of the same type in a year; the Lifetime ISA is the exception, being limited to one per year, and its sub-limit counts within the overall figure.
The annual allowance counts everything paid in — your contributions, your employer's, salary sacrifice and tax relief — so record the parts that don't appear in this ledger above. Your own contributions are separately capped at 100% of your relevant earnings. Carry forward uses unused allowance from the previous three tax years, and is unavailable once the MPAA applies. The allowance is tapered for high earners, so reduce it here if that applies to you.
Used for any account without its own expected yield, so a newly opened account is ranked on what its type is worth rather than being shut out for lacking a track record.
Measured returns are weighted by how much history stands behind them: six months barely shifts the assumption, while a decade largely replaces it. At the years given above the two carry equal weight. The ceiling stops an unusually good spell presenting itself as a forecast.
Filling the annual allowance early would leave no room for the regular payments still to come, including anything your employer puts in. With this on, each pension's regular contribution is held back for every remaining payment date up to 5 April — not a flat twelve months, so the reservation shrinks as the year goes on.
This is arithmetic on the figures you've entered, not financial advice. A guaranteed saving from clearing debt is a different kind of certainty from a projected investment return, so the two are labelled rather than blended. Pension tax relief and employer matching aren't modelled and can change the picture materially.
Drives State Pension Age, the 2015 section's normal pension age, and the age you can touch a pension pot. Nothing can be dated without it.
A starting point, not a commitment — later phases will solve for this.
Forecasts, not rules. Scheme mechanics (accrual rates, the 12:1 commutation factor, 2015 revaluation) are fixed in code because they are legislation.
Pension increases in payment follow CPI by statute, so they are derived rather than set here. The threshold freeze date has been extended more than once — worth checking against current legislation.
Enter the figures from your Annual Benefit Statement or Total Reward Statement. A statement figure already accounts for part-time service, added years and breaks — reconstructing it from service and pay will be less accurate.
GPs and dentists (Practitioner) accrue on career earnings even in the legacy sections.
Do not assume the full rate. Anyone contracted out of the additional State Pension before April 2016 — common across public sector schemes and many private defined benefit schemes — carries a deduction and may receive less. The deduction depends on a full National Insurance earnings history, so it cannot be derived from qualifying years. Take both figures from your gov.uk forecast.
What the record already earns, with no further contributions.
Assumes contributions continue to State Pension Age.
Tick if the portal states you are already at the maximum. Retiring years before State Pension Age stops National Insurance accruing, so whether the higher figure is banked or contingent decides whether stopping early costs you anything.
For a loan, the contractual payment.
Leave blank for 2.5%.
Leave blank for £5.
Since 2011 a UK card minimum must cover at least that month's interest plus 1% of the balance, so a balance always falls. That rule always applies; whichever of it, the percentage above, or the floor is largest is what falls due each month. At most real APRs the interest-plus-1% rule is the one that binds, and the account panel says which.
A 0% card ranks low while the promotion runs, then climbs towards the revert rate as expiry nears, so it gets cleared before it becomes expensive rather than the day after.
No other ledgers have been opened on this browser yet.