Model your wealth, make better financial decisions. Start below.

This website makes it easier to think about the long term impact on your wealth of different financial decisions. To start:

Fill in your salary. Everything else is optional (but will improve your model).
Add a scenario if you want to see how that might change your outcome.
Hit submit to see how your wealth may develop over the next five years.

Note, for now, this site is aimed at those living in the UK.

Disclaimer: These calculations are illustrative only, always consult a qualified financial advisor when making important financial decisions.

Fill this section to get started, add more detail in the sections below if you want a more accurate model.

Gross annual salary (£)

Expected annual change in salary (%)

Personal pension contribution (%)

Outstanding student loan?

Outstanding student loan (£)

Additional Salary

Gross annual salary (£)

Expected annual change in salary (%)

Personal pension contribution (%)

Outstanding student loan?

Outstanding student loan (£)

Disclaimer: These calculations are illustrative only, always consult a qualified financial advisor when making important financial decisions.

Fill this section in if you want to model how your net savings may change over time. You can either input an estimated total or click 'Detailed Breakdown' to calculate your total spend.

Total outgoings Detailed breakdown

Total costs (£)

per

Do not include mortgage payments in this total if you plan to fill in the mortgage in the Savings and debts section.

You only need to fill in the categories relevant for you.

Rent (£)

per

Do not include mortgage payments in this figure if you plan to fill in the mortgage in the Savings and debts section.

Bills

Council tax (£)

per

Gas (£)

per

Electricity (£)

per

Water (£)

per

Phone (£)

per

Mobile (£)

per

Do you have a TV license?

Other (£)

which costs per

General Living Costs

Groceries (£)

per

Takeaway (£)

per

Eating out (£)

per

Drinks out (£)

per

Other (£)

which costs per

Work

Travel (£)

per

Lunches (£)

per

Coffee (£)

per

Other (£)

which costs per

Clothes

General Clothes (£)

per

Work clothes (£)

per

Other (£)

which costs per

Other

Holidays (£)

per

Presents (£)

per

Other (£)

which costs per

Disclaimer: These calculations are illustrative only, always consult a qualified financial advisor when making important financial decisions.

Fill in any savings or debts you have here to model how your total wealth may change over time.

This is the main current account so we have put in some default values.

Balance (£)

Interest rate (%)

What is your interest free overdraft limit? (£, leave blank if you don't have one)

How much cash do you ideally keep in your current account? (£)

Balance (£)

Interest rate (%)

What is your interest free overdraft limit? (£, leave blank if you don't have one)

Balance (£)

Interest rate (%)

What is your interest free overdraft limit? (£, leave blank if you don't have one)

Current balance (£)

What kind of savings account is it?

What is the current interest rate? (%, APR)

Is it a fixed rate account?

How long is the interest rate fixed for?

Can you remove cash during the fixed period?

Current balance (£)

What kind of savings account is it?

What is the current interest rate? (%, APR)

Is it a fixed rate account?

How long is the interest rate fixed for?

Can you remove cash during the fixed period?

Current balance (£)

What kind of savings account is it?

What is the current interest rate? (%, APR)

Is it a fixed rate account?

How long is the interest rate fixed for?

Can you remove cash during the fixed period?

Name of mortgage (optional)

Outstanding balance (£)

What is the interest rate? (%, APR)

Are you in a fixed rate period?

When does the fixed period end? (Enter in a date format: DD/MM/YYYY)

Is the mortgage repayment or interest only?

How many years does the mortgage have left?

How much is the house worth that the mortgage is against?

On average, what annual percentage change in house value do you expect? (%)

Name (optional)

Outstanding balance (£)

Credit limit (£)

Interest rate (%, APR)

Is this an offer rate?

If this is an offer rate when does it end? (Enter in date form: DD/MM/YYYY)

Name (optional)

Outstanding balance (£)

Credit limit (£)

Interest rate (%, APR)

Is this an offer rate?

If this is an offer rate when does it end? (Enter in date form: DD/MM/YYYY)

Name (optional)

Outstanding balance (£)

Credit limit (£)

Interest rate (%, APR)

Is this an offer rate?

If this is an offer rate when does it end? (Enter in date form: DD/MM/YYYY)

Name (optional)

Balance (£)

Interest rate (%, APR)

How much is your monthly payment? (£)

Name (optional)

Balance (£)

Interest rate (%, APR)

How much is your monthly payment? (£)

Name (optional)

Balance (£)

Interest rate (%, APR)

How much is your monthly payment? (£)

Name (optional)

Balance (£)

Is this an ISA?

What proportion of the portfolio do you churn each year? (%)

What type of investment is this?

What region is this investment?

Is there a lock up period? More

How long is the lock up?

What annual return do you expect? (%)

Name (optional)

Balance (£)

Is this an ISA?

What proportion of the portfolio do you churn each year? (%)

What type of investment is this?

What region is this investment?

Is there a lock up period? More

How long is the lock up?

What annual return do you expect? (%)

Name (optional)

Balance (£)

Is this an ISA?

What proportion of the portfolio do you churn each year? (%)

What type of investment is this?

What region is this investment?

Is there a lock up period? More

How long is the lock up?

What annual return do you expect? (%)

Disclaimer: These calculations are illustrative only, always consult a qualified financial advisor when making important financial decisions.

Select a scenario or event that you want to model to see what the impact on your wealth might be.

Include in comparison?

Gross annual salary (£)

Expected annual change in salary (%)

Personal pension contribution (%)

Include in comparison?

Additional savings? (£)

Include in comparison?

Name of mortgage (optional)

Outstanding balance (£)

What is the interest rate? (%, APR)

Are you in a fixed rate period?

When does the fixed period end? (Enter in a date format: DD/MM/YYYY)

Is the mortgage repayment or interest only?

How many years does the mortgage have left?

How much is the house worth that the mortgage is against?

On average, what percentage change in house value do you expect? (%)

Include in comparison?

Length of maternity leave?

Enter the periods of pay you will get that are better than statutory maternity leave. If you only get statutory maternity leave you only need to enter the length of maternity leave. Note these calculations are applied to the main salary entered in the Salary tab.

What proportion of your normal salary do you get paid in the first period? (%)

For how many weeks?

What proportion of your normal salary do you get paid in the second period? (%)

For how many weeks?

What proportion of your normal salary do you get paid in the third period? (%)

For how many weeks?

Disclaimer: These calculations are illustrative only, always consult a qualified financial advisor when making important financial decisions.

Summary

Breakdown per year
Total Net Income
Total Expenses
Total Mortgage Costs
Total Other Debt Costs
Total Other Tax Costs
Net Savings

Summary (Alternative Scenario)

Breakdown per year
Total Net Income
Total Expenses
Total Mortgage Costs
Total Other Debt Costs
Total Other Tax Costs
Net Savings

Balance Sheet

Breakdown at year end
Mortgage
Credit Card
Personal Loan
Current Account
Savings
Investments
Net Wealth (ex housing)
House value
of which equity
Net Wealth

Balance Sheet (Alternative scenario)

Breakdown at year end
Mortgage
Credit Card
Personal Loan
Current Account
Savings
Investments
Net Wealth (ex housing)
House value
of which equity
Net Wealth

Disclaimer: These calculations are illustrative only, always consult a qualified financial advisor when making important financial decisions.

This does not share any of your financial details.

Salary

Breakdown per year
Gross Salary
Taxable Income
Income Tax
National Insurance
Student Loan
Net Salary

Additional salary

Breakdown per year
Gross Salary
Taxable Income
Income Tax
National Insurance
Student Loan
Net Salary

Outgoings

Breakdown per year
Housing Rental Costs
Bills
Food and Drink
Work Related Costs
Clothes
Other Costs
Total Costs

Current Account

Breakdown per year
Opening Balance
Interest Income
Additional Payments
Closing Balance

Mortgage

Breakdown per year
Opening Balance
Interest Payment
Capital Payment
Required Repayment
Additional Payments
Closing Balance

Savings Account

Breakdown per year
Opening Balance
Interest Income
Additional Payments
Closing Balance

Credit Card

Breakdown per year
Opening Balance
Interest Payments
Minimum Repayments
Additional Payments
Closing Balance

Personal Loan

Breakdown per year
Opening Balance
Interest Payments
Required Payments
Additional Payments
Closing Balance

Investments

Breakdown per year
Opening Balance
Return
Additional Payments
Closing Balance

Model your wealth, make better financial decisions. Start below.

Additional Salary

Current Accounts

Savings Accounts

Mortgage

Credit cards

Personal Loans

Investments

A new job

Saving or spending more

Moving house / Mortgage

Parental leave

Summary

Summary (Alternative Scenario)

Balance Sheet

Balance Sheet (Alternative scenario)

Salary

Additional salary

Outgoings

Current Account

Mortgage

Savings Account

Credit Card

Personal Loan

Investments