Current Balances

Holiday Fund

£10,676

Trading212 Holiday

£10,6763.80%

Savings

£55,242

Zopa

£7132.95%

Nationwide

£2,2006.00%

Cahoot

£52,3294.50%

Investments

£163,798

Trading212 ISA

£120,227

Trading 212

£2,195

Trading 212 EL ISA

£41,376

Commission-Driven Projections

Holiday Fund

Sep 26

£10,676 +£0

Dec 26

£12,176 +£1,500

Mar 27

£12,676 +£2,000

Savings

Sep 26

£55,242 +£0

Dec 26

£55,242 +£0

Mar 27

£55,242 +£0

Investments

Sep 26

£163,331 +£-467

Dec 26

£163,331 +£-467

Mar 27

£163,331 +£-467

Commission Pipeline

Sep 2026

£18,000 expected

HOL

MTG

CC

HOL £1,500

MTG £1,000

CC £2,500

Pension: £8,000

Dec 2026

£18,000 expected

HOL

MTG

CC

HOL £1,500

MTG £1,000

CC £2,500

Pension: £8,000

Mar 2027

£13,319 expected

HOL

CC

HOL £500

CC £500

Pension: £11,320

Full Year · £11,000 across all quarters

50%CC

31%HOL

0%SAV

0%INV

18%MTG

Buffer Accounts

Watch

Mortgage Buffer

Current

£405

Required

£350

Surplus

£55

0.2 months of cover above requirement

Healthy

Credit Card Buffer

Current

£2,238

Required

£1,000

Surplus

£1,238

1.2 months of cover above requirement

V1 Investment · Return Scenarios

2× Return Scenario

£44,254

Post-tax return in GBP

Gross return (€)€57,216

Converted (GBP)£49,471

Post-tax£44,254

Return %+78.9%

Mortgage offset (Jan 2028)£117,246

2.5× Return Scenario

£81,852

Post-tax return in GBP

Gross return (€)€114,432

Converted (GBP)£98,941

Post-tax£81,852

Return %+230.9%

Mortgage offset (Jan 2028)£79,648

Investment Amount

£24,735

€28,608 at 0.8646

Mortgage Reference (Jan 2028)

£161,500

Used as offset benchmark

Pension

Annual Allowance

£60,000

Used This Year

£33,819

Remaining

£26,181

Carry Forward

£88,848

Jun 2026

—

No contribution

Sep 2026

£8,000

Gross contribution

Net cost: £4,000

Dec 2026

£8,000

Gross contribution

Net cost: £4,000

Mar 2027

£8,819

Gross contribution

Net cost: £4,409