Financial Simulation
Income:
£0.00
Expenses:
£0.00
Cashflow:
£0.00
Date: December 2025
Base rate (BBR)
4.00%
Inflation (annual)
3.50%
Net worth
£428,219
Display mode
Nominal (current £)
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Accounts
Credit cards
Expenses
Loans
Log
Mortgages
People
Properties
Regular payments
Tenancies
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Realistic
Chaos mode 🌪️
Next Month
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People
Add person
Dave
9 Apr 1982
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Curriculum Leader
Sandbach School · PAYE · £61,000 / year
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Examiner
OCR · PAYE · £15,000 / year
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Guitarist
The High Notes · SA · £1,500 / year
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Add job
Accounts
Add account
Current Account
Current
£2,000.00
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Daves Cash ISA
Cash ISA
£20,000.00 · 3.00% p.a.
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Daves S&S ISA
S&S ISA
£20,000.00 · 3.75% p.a.
Invest
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Ellies ISA
S&S ISA
£20,000.00 · 3.75% p.a.
Invest
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Weir Grove
Current
£879.52
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Stonebank Road
Current
£2,976.69
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Extra Cash
Current
£3,362.78
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Daves Pension
Pension
£0.00 · 3.75% p.a.
Invest
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Make transfer
Expenses
Total: £1,813.21 / month
Add expense
Council Tax
£176.09 / month
Debited from:
Current Account
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Gas / Electricity
£134.70 / month
Debited from:
Current Account
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Internet
£26.00 / month
Debited from:
Current Account
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Water
£40.80 / month
Debited from:
Current Account
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Life insurance
£28.57 / month
Debited from:
Current Account
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TV license
£15.00 / month
Debited from:
Current Account
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Cat plan
£15.99 / month
Debited from:
Current Account
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Mobile phone
£10.00 / month
Debited from:
Current Account
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Fuel
£110.00 / month
Debited from:
Current Account
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Car insurance
£49.29 / month
Debited from:
Current Account
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Ionos and web dev
£35.00 / month
Debited from:
Current Account
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Dentist
£21.37 / month
Debited from:
Current Account
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Contacts
£17.50 / month
Debited from:
Current Account
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Food
£400.00 / month
Debited from:
Current Account
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Optional outgoings
£232.90 / month
Debited from:
Current Account
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Guilt free spending
£500.00 / month
Debited from:
Current Account
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Properties
Buy property
20 Weir Grove
Purchased £130,000 · Now £205,000
Sell
Stepping Stone Alsager Road
Purchased £275,000 · Now £380,000
Sell
24 Stonebank Road
Purchased £130,000 · Now £150,000
Sell
Event Log
• Simulation initialised.
Mortgages
Virgin Money
20 Weir Grove Kidsgrove
Months elapsed: 36 · InterestOnly · LTV 55.4%
£113,500
Initial: £113,500
Remortgage
Santander
Stepping Stone Alsager Road Audley
Months elapsed: 36 · Repayment · LTV 43.4%
£165,000
Initial: £165,000
Remortgage
BM Solutions
24 Stonebank Road Kidsgrove
Months elapsed: 36 · InterestOnly · LTV 65.0%
£97,500
Initial: £97,500
Remortgage
Tenancies
Add tenancy
20 Weir Grove
Rent £895.00 / month · Letting fee £107.40 · Term: 6 months · From Dec 2024 · Paid into Weir Grove
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24 Stonebank Road
Rent £700.00 / month · Letting fee £84.00 · Term: 6 months · From Dec 2024 · Paid into Stonebank Road
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Credit cards
Add credit card
Main Credit Card
Virgin
Balance £45.00
· Limit £3,000.00
APR 24.90%
· Min payment: £5.00 per month
Payments funded from: Current Account
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Personal loans
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No personal loans added yet.
Regular payments
Add regular payment
Current Account → Daves S&S ISA
£500.00 per month
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Current Account → Ellies ISA
£100.00 per month
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Timeline & branches
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