Earnings
As of 20 Mar 2026
💵
Savings
Commission
Earnings
Pension
Total Savings
£65,543
As of 20 Mar 2026
Holiday Fund
£10,128
Trading212
Savings
£55,415
Cahoot · Nationwide · Zopa
Investments
£94,395
Trading212 ISA · Trading 212 · Trading 212 EL ISA
Buffers
£3,842
Mortgage + CC cover
Account Breakdown
Trading212 Holiday
4.05% AER
£10,128
Cahoot
4.40% AER
£52,516
Nationwide
6.50% AER
£1,200
Zopa
3.25% AER
£1,699
Trading212 ISA
Investment
£67,731
Trading 212
Investment
£6,673
Trading 212 EL ISA
Investment
£19,991
Buffers
Mortgage Buffer
Current
£1,585
Required
£1,000
Surplus
£585
Cover
1.9mo
Credit Card Buffer
Current
£2,257
Required
£2,000
Surplus
£257
Cover
0.3mo
Quarterly Projections
Projected Balances After Each Commission Quarter
■ Holiday
■ Savings
■ Investments
Jun 26
£12,878 / £66,415 / £105,395
+£24,750 uplift
Sep 26
£13,628 / £67,165 / £106,145
+£2,250 uplift
Dec 26
£14,628 / £68,165 / £107,145
+£3,000 uplift
Mar 27
£15,628 / £69,165 / £108,145
+£3,000 uplift
Full Year Commission Total
£43,500
Across 4 quarters this plan year
→ Credit Card
£6,500
14% of total
→ Holiday
£5,500
12% of total
→ Savings
£13,750
31% of total
→ Investment
£13,750
31% of total
Quarterly Allocation
Jun 2026 — £34,250 expected
Credit Card
£3,500
10%
Holiday
£2,750
8%
Savings
£11,000
32%
Investment
£11,000
32%
Mortgage
£1,000
2%
🏦 Pension: £10,000 gross
Sep 2026 — £4,250 expected
Credit Card
£1,000
23%
Holiday
£750
17%
Savings
£750
17%
Investment
£750
17%
Mortgage
£1,000
23%
Dec 2026 — £5,000 expected
Credit Card
£1,000
20%
Holiday
£1,000
20%
Savings
£1,000
20%
Investment
£1,000
20%
Mortgage
£1,000
20%
Mar 2027 — £5,000 expected
Credit Card
£1,000
20%
Holiday
£1,000
20%
Savings
£1,000
20%
Investment
£1,000
20%
Mortgage
£1,000
20%
Loading earnings data…
Year Gross Contribution
£20,000
Net cost: £10,000 · Salary sacrifice
Annual Allowance
£60,000
£8,280 used
Remaining
£51,720
This tax year
Carry Forward
£156,084
Across prior years
Quarterly Timeline
Mar 2026
Net cost: £5,000
£10,000
Jun 2026
Net cost: £5,000
£10,000
Sep 2026
Net cost: —
—
Dec 2026
Net cost: —
—
📊
Portfolio
💰
Finance
🏋️
Fitness
💵
Earnings
🏖️
Hols
Savings Plan
As of 20 Mar 2026
Current Snapshot — Live Balances
Holiday Fund
£10,128
20 Mar 2026
Trading212 Holiday
£10,128
4.05%
Savings
£55,415
20 Mar 2026
Cahoot
£52,516
4.40%
Nationwide
£1,200
6.50%
Zopa
£1,699
3.25%
Investment (ISA)
£94,395
20 Mar 2026
Trading212 ISA
£67,731
Trading 212
£6,673
Trading 212 EL ISA
£19,991
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
£105,395
+£11,000
Sep 26
£106,145
+£750
Dec 26
£107,145
+£1,000
Mar 27
£108,145
+£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
£44,374
Post-tax return in GBP
Gross return (€)
€57,216
Converted (GBP)
£49,606
Post-tax
£44,374
Return %
+78.9%
Mortgage value
post offset
£117,126
⬡ 2.5× Return Scenario
£53,799
Post-tax return in GBP
Gross return (€)
€71,520
Converted (GBP)
£62,008
Post-tax
£53,799
Return %
+116.9%
Mortgage value
post offset
£107,701
Investment Amount
£24,803
€28,608 at 0.8670 rate
Mortgage Reference (Jan 2028)
£161,500
Used as offset benchmark