Savings Plan
As of 17 Mar 2026
Current Snapshot — Live Balances
Holiday Fund
£10,128
17 Mar 2026
Trading212 Holiday
£10,128
4.05%
Savings
£55,415
17 Mar 2026
Cahoot
£52,516
4.40%
Nationwide
£1,200
6.50%
Zopa
£1,699
3.25%
Investment (ISA)
£8,992
17 Mar 2026
Trading212 ISA
£8,992
Commission-Driven Projections — Where You'll Land Each Quarter
Holiday Fund
Jun 26
£12,878
+£2,750
Sep 26
£13,628
+£750
Dec 26
£14,628
+£1,000
Mar 27
£15,628
+£1,000
Savings
Jun 26
£66,415
+£11,000
Sep 26
£67,165
+£750
Dec 26
£68,165
+£1,000
Mar 27
£69,165
+£1,000
Investment (ISA)
Jun 26
£19,992
+£11,000
Sep 26
£20,742
+£750
Dec 26
£21,742
+£1,000
Mar 27
£22,742
+£1,000
Commission Pipeline — Quarterly Allocation Timeline
Jun 2026
£34,250 expected
CC
HOL
SAV
INV
MTG
CC £3,500
Holiday £2,750
Savings £11,000
Investment £11,000
Mortgage £1,000
🏦
£10,000
Gross pension
Sep 2026
£4,250 expected
CC
HOL
SAV
INV
MTG
CC £1,000
Holiday £750
Savings £750
Investment £750
Mortgage £1,000
No pension contribution
Dec 2026
£5,000 expected
CC
HOL
SAV
INV
MTG
CC £1,000
Holiday £1,000
Savings £1,000
Investment £1,000
Mortgage £1,000
No pension contribution
Mar 2027
£5,000 expected
CC
HOL
SAV
INV
MTG
CC £1,000
Holiday £1,000
Savings £1,000
Investment £1,000
Mortgage £1,000
No pension contribution
Full Year Totals — £43,500 across all quarters
14%
CC £6,500
12%
HOL £5,500
31%
SAV £13,750
31%
INV £13,750
9%
MTG £4,000
Buffer Accounts — Monthly Payment Coverage
Healthy
Mortgage Buffer
Current
£1,585
Required
£1,000
Surplus
£585
1.95 months
of cover above requirement
Watch
Credit Card Buffer
Current
£2,257
Required
£2,000
Surplus
£257
0.26 months
of cover above requirement
Pension — Salary Sacrifice Contributions Timeline
Mar 2026
£10,000
Gross contribution
Net cost:
£5,000
Jun 2026
£10,000
Gross contribution
Net cost:
£5,000
Sep 2026
—
No contribution
Dec 2026
—
No contribution
Year Gross Contribution
£20,000
Net cost to you: £10,000
Carry-Forward Available
£156,084
Running balance across tax years
Annual Allowance 2025/26
£60,000
£8,280 used · £51,720 remaining
V1 Investment — Potential Return Scenarios
⬡ 2× Return Scenario
£44,212
Post-tax return in GBP
Gross return (€)
€57,216
Converted (GBP)
£49,423
Post-tax
£44,212
Return %
+78.9%
Mortgage value
post offset
£117,288
⬡ 2.5× Return Scenario
£53,603
Post-tax return in GBP
Gross return (€)
€71,520
Converted (GBP)
£61,779
Post-tax
£53,603
Return %
+116.9%
Mortgage value
post offset
£107,897
Investment Amount
£24,712
€28,608 at 0.8638 rate
Mortgage Reference (Jan 2028)
£161,500
Used as offset benchmark
Historic Returns (avg post-tax)
£34,822
2023–2025 annual average at 2× rate