Ghana scenario includes land purchase of £40.0k in 2027.
Expenditure Share by Category
Annual budget weightings
- House Costs53%
- Credit Cards11%
- Sundries / Shopping10%
- Leisure / Kids7%
- Savings & Pension6%
- Travel / Car5%
- Security / Protection4%
- Personal3%
Fixed vs Variable Cost Profile
Categorised spending flexibility
Detailed Costs Breakdown
Expand categories to inspect, filter by type, or search items.
What-If Budget Planner
Simulate saving strategies by adjusting the mortgage or trimming variable spend to see how it affects the annual run rate. Figures re-run the real projection engine.
What Must I Earn?
Comparison of current income vs. the take-home pay required to fund all household spending, upcoming liabilities and savings goals.
£500 / day
~£7,600 / month take-home
£500 / day
~£7,600 / month take-home
£0
Savings Buckets
Total required monthly contribution: £2,806. Each goal’s affordability is shown relative to the current budget.
Money In & Out (June)
Income by Source
- Contract income+£7,500.00
Spend by Category
- House Costs£1,682.00
- Credit Cards£350.00
- Sundries / Shopping£230.90
- Savings & Pension£200.00
- Leisure / Kids£88.31
- Travel / Car£72.40
- Personal£59.98
- Security / Protection£56.42
To Review (3 items)
- AMZN MKTP UK*A1B2C£34.99
- SQ *THE CORNER CAFE£12.50
- PAYPAL *UNKNOWNMERCH£19.99
Budget vs Actual (Monthly)
| Category | Plan | Actual | Diff. | |
|---|---|---|---|---|
| House Costs | £1,697 | £1,682 | +£15 | |
| Credit Cards | £350 | £350 | £0 | |
| Sundries / Shopping | £330 | £231 | +£99 | |
| Savings & Pension | £200 | £200 | £0 | |
| Leisure / Kids | £226 | £88 | +£138 | |
| Travel / Car | £161 | £72 | +£89 | |
| Personal | £108 | £60 | +£48 | |
| Charities | £50 | £0 | +£50 | Archived |
| Security / Protection | £126 | £56 | +£69 | |
| Total Spend | £3,198 | £2,740 | +£458 |
Annual Plan: £38,371
This month’s spare money
Estimated from the budget — no confirmed transactions yet this month.
+£4.4k
Surplus priority order
Money fills the first step below, then whatever’s left moves to the next one — right down to the last step on the list.
- Tax owed
A number you enter each time you apply the surplus.
- Emergency fund
Fills the emergency fund to its target before moving on.
- Pension employer match
A number you enter each time you apply the surplus.
- Expensive debt
Pays off debt at or above a chosen interest rate.
- Tax-free investing
Funds a savings goal, up to a monthly amount you set.
- Extra pension
Funds a savings goal, up to a monthly amount you set.
- Mortgage overpayment
Takes a share of whatever is left after every step above it.
- Investing
Takes a share of whatever is left after every step above it.
Essential spend
Categories flagged essential set the emergency fund target (essential monthly spend × months of cover).
2 of 9 categories marked essential.
Protection
- Security / Protection
House
- House Costs
Personal
- Personal
Debt
- Credit Cards
Savings
- Savings & Pension
Giving
- Charities
Transport
- Travel / Car
Living
- Sundries / Shopping
- Leisure / Kids
Near-Term Cash Balance
Upcoming Liabilities
A timeline of major planned financial commitments.
The Plan for Our Future
- Complete the Ghana land purchase
- First family trip to see the land
- Grow the rainy-day fund to its target
- Open and start the girls' savings accounts
- Raise the day rate to fund the plan
Own land in Ghana
Buckets funded on schedule
Day rate covers the whole plan
50-Year Horizon
Projection of net worth and liquid cash, highlighting potential shortfalls.