Wealth Dashboard
// Monday, 24 August 2026
Last updated: 23:14
● Net Overall Wealth
£1.24m
Pensions + ISAs + Savings + Property − Liabilities
Pensions & ISAs
£635.4k
Savings
£18.9k
Property
£652.0k
Car Liabilities
−£63.9k
Pensions & ISAs
£635,390
Combined current value
Ian
£462,323
Pension
Michelle
£103,335
Pension
Ian
£31,294
ISA
Michelle
£38,438
ISA
Savings Accounts
£18,889
Total across all accounts
NW Reg 1
£5,052
NW Reg 2
£5,052
NW Dep 1
£0
NW Dep 2
£8,785
Total
£18,889
Property Value
£652,000
20-yr projection @ 3.5% p.a. · as of 1 Sep 2025
Vehicle Finance
· Total outstanding (monthly + balloon): £63,928
Ford Explorer
PCP · 0% APR · 48 months
£15,979
monthly payments left
40% of payments made (19/48)
£10,469 paid
Initial loan
£47,444
Deposit
£0
Monthly
£551
Pmts left
29
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 Sep 2026
· £551 · 29 remaining
Mini Cooper E Sport
PCP · 1.9% APR · 48 months · Legend Gray
£12,276
monthly payments left
8% of payments made (4/48)
£1,116 paid
Car price
£32,995
Deposit
£6,950
Monthly
£279
Pmts left
44
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 Sep 2026
· £279 · 44 remaining
Monthly Cashflow
Income
ROYLON SCOTLIFE
£480
ROYLON SCOTLIFE
£160
TMBC
£440
THREE SIXTY LIMITE
£1,259
TMBC
£984
TRUE POTENTIAL DRA
£2,000
Total In
£5,322
Outgoings
vision cls ian
£22
ford credit uk
£551
tv licence mbp
£15
manchester sale ru
£43
spotify
£18
united utilities w
£35
council tax
£267
pet health club (vets)
£32
o2
£30
british gas
£190
mini financial ser
£279
ao-opticalservices michelle
£25
gocardless
£29
bg services
£5
virgin media pymts
£145
food and bella
£500
hive
£4
apple
£1
amazon prime
£9
Total Out
£2,201
Monthly Balance
+£3,121
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.