Where you stand
Your balances as they stood on 14 Sep 2026, and where 12 months of your own plan leaves them. No returns assumed, no inflation, no advice.
Net worth
£110,625.00
+£20,336.15 in 12 months
The next 12 months
A roll-forward from the accounts your plan spends from, on your real pay dates and due dates.
- Lowest point
- £11,249.87
- 25 Sep 2026
- Crosses zero
- Never
- not in 12 months
- Cash then
- £24,663.50
- what you can spend
- Net worth then
- £130,961.15
- everything you own, less what you owe
Cash
What you can spend, day by day.
Net worth
Cash, plus what you own, less what you owe.
Every month
What your plan says arrives and leaves in an average month. The forecast above places each of them on its real date instead.
Income
£4,300.00
Spending
−£3,243.75
Left over
£1,056.25
What you have and what you owe
Every account in your plan. The three subtotals add up to your net worth, and anything you have left out of it says so.
| Account | Today | In 12 months |
|---|---|---|
| Cash | ||
| Current account | £2,180.00 | — |
| Savings | £9,400.00 | — |
| Cash | £85.00 | — |
| Old current account· not counted | £0.00 | £0.00 |
| Cash | £11,665.00 | £24,663.50 |
| What you own | ||
| House | £295,000.00 | £295,000.00 |
| Stocks & shares ISA | £22,600.00 | £22,600.00 |
| What you own | £317,600.00 | £317,600.00 |
| What you owe | ||
| Visa· £125.00 a month | −£1,240.00 | clear 1 Sep 2027 |
| Mortgage· £1,050.00 a month | −£184,000.00 | −£180,087.14 |
| Car finance· £245.00 a month | −£8,900.00 | −£6,592.29 |
| Student loan· £140.00 a month | −£24,500.00 | never, at this payment |
| What you owe | −£218,640.00 | −£211,302.35 |
| Net worth | £110,625.00 | £130,961.15 |