Wealth Dashboard
// Friday, 10 July 2026
Last updated: 17:57
● Net Overall Wealth
£1.23m
Pensions + ISAs + Savings + Property − Liabilities
Pensions & ISAs
£625.8k
Savings
£19.6k
Property
£652.0k
Car Liabilities
−£65.6k
Pensions & ISAs
£625,762
Combined current value
Ian
£460,186
Pension
Michelle
£103,283
Pension
Ian
£28,114
ISA
Michelle
£34,179
ISA
Savings Accounts
£19,632
Total across all accounts
NatWest Reg Saver_1
£5,029
NatWest Reg Saver_2
£5,029
Natwest Deposit Saver_1
£0
Natwest Deposit Saver_2
£9,574
Total
£19,632
Property Value
£652,000
20-yr projection @ 3.5% p.a. · as of 1 Sep 2025
Vehicle Finance
· Total outstanding (monthly + balloon): £65,588
Ford Explorer
PCP · 0% APR · 48 months
£17,081
monthly payments left
35% of payments made (17/48)
£9,367 paid
Initial loan
£47,444
Deposit
£0
Monthly
£551
Pmts left
31
Start date
15 Feb 2025
End date
Jan 2029
Optional Balloon Payment
Pay £20,996 at end to own outright · or hand back
£20,996
Next payment:
15th Jul 2026
· £551 · 31 remaining
Mini Cooper E Sport
PCP · 1.9% APR · 48 months · Legend Gray
£12,834
monthly payments left
4% of payments made (2/48)
£558 paid
Car price
£32,995
Deposit
£6,950
Monthly
£279
Pmts left
46
Start date
15 May 2026
End date
Apr 2030
Optional Balloon Payment
Pay £14,677 at end to own outright · or hand back
£14,677
Next payment:
15th Jul 2026
· £279 · 46 remaining
Monthly Cashflow
Income
ROYLON SCOTLIFE
£480
ROYLON SCOTLIFE
£160
TMBC
£440
THREE SIXTY LIMITE
£1,242
Ian SMBC Pension
£984
TRUE POTENTIAL DRA
£2,000
Total In
£5,305
Outgoings
vision cls ian
£22
ford credit uk
£551
tv licence mbp
£15
manchester sale ru
£43
spotify
£18
united utilities w
£38
council tax
£267
pet health club (vets)
£32
o2
£37
british gas
£190
mini financial ser
£279
ao-opticalservices michelle
£25
gocardless
£29
bg services
£5
virgin media pymts
£145
food and bella
£450
hive
£4
apple
£1
amazon prime
£9
Total Out
£2,160
Monthly Balance
+£3,145
UK Economic Indicators
CPI
2.6%
RPI
3.4%
CPIH
3%
BoE Base Rate
4.75%
ℹ Figures are current known rates — update via cron or a small rates table in MySQL
State Pension Projection
Ian — draws 2032
£14,551/yr at drawdown
Michelle — draws 2031
£14,196/yr at drawdown
Triple Lock floor
2.5% p.a.