Current Balances

Holiday Fund

£12,633

Trading212 Holiday

£12,6333.80%

Savings

£54,897

Zopa

£1,1092.95%

Nationwide

£1,8006.00%

Cahoot

£51,9884.50%

Investments

£158,604

Trading212 ISA

£116,109

Trading 212

£2,124

Trading 212 EL ISA

£40,371

Commission-Driven Projections

Holiday Fund

Sep 26

£12,633 +£0

Dec 26

£14,133 +£1,500

Mar 27

£14,633 +£2,000

Savings

Sep 26

£54,897 +£0

Dec 26

£54,897 +£0

Mar 27

£54,897 +£0

Investments

Sep 26

£159,525 +£921

Dec 26

£159,525 +£921

Mar 27

£159,525 +£921

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

£5,138 expected

HOL

CC

HOL £500

CC £500

Pension: £3,140

Full Year · £11,000 across all quarters

50%CC

31%HOL

0%SAV

0%INV

18%MTG

Buffer Accounts

Watch

Mortgage Buffer

Current

£753

Required

£700

Surplus

£53

0.2 months of cover above requirement

Watch

Credit Card Buffer

Current

£2,232

Required

£2,000

Surplus

£232

0.2 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

£25,638

Remaining

£34,362

Carry Forward

£97,029

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

£638

Gross contribution

Net cost: £319