System
BL // JARVIS
Module
Savings
Sync
21 APR 2026
Total Reserves
£46,626
CMD
Holiday · Savings · Investments · Commission
Savings
LIVE · 21 APR 2026
Total Reserves
£46,626
Holiday + Savings
Holiday Fund
£7,040
Current balance
Savings
£39,586
Current balance
Investments
£131,602
T212 portfolio
Mortgage Buffer
£1,095
Healthy
· surplus £595
Credit Card Buffer
£1,268
Watch
· surplus £268
Commission Pipeline
£71,630
Four quarters total
Pension Allowance
£19,000
Used this FY
JARVIS · Daily Brief
Total reserves at £46,626, Sir — holiday fund £7,040, savings £39,586. Commission pipeline showing £71,630 across four quarters. Mortgage buffer healthy at £1,095; credit card buffer watch at £1,268. All systems nominal.
◆ Current Balances
Holiday Fund
£7,040
Trading212 Holiday
£7,040
3.80%
Savings
£39,586
Zopa
£1,302
2.95%
Nationwide
£1,600
6.50%
Cahoot
£36,684
4.31%
Investments
£131,602
Trading212 ISA
£97,974
Trading 212
£0
Trading 212 EL ISA
£33,628
◆ Commission-Driven Projections
Holiday Fund
Jun 26
£12,040
+£5,000
Sep 26
£13,540
+£1,500
Dec 26
£13,540
+£0
Mar 27
£17,040
+£3,500
Savings
Jun 26
£53,086
+£13,500
Sep 26
£55,586
+£2,500
Dec 26
£55,586
+£0
Mar 27
£64,966
+£9,380
Investments
Jun 26
£146,102
+£14,500
Sep 26
£148,602
+£2,500
Dec 26
£148,602
+£0
Mar 27
£156,102
+£7,500
◆ Commission Pipeline
Jun 2026
£43,250 expected
HOL
SAV
INV
MTG
CC
HOL £5,000
SAV £13,500
INV £14,500
MTG £1,000
CC £4,250
Pension: £10,000
Sep 2026
£9,000 expected
HOL
SAV
INV
MTG
CC
HOL £1,500
SAV £2,500
INV £2,500
MTG £1,000
CC £1,500
Dec 2026
£0 expected
Mar 2027
£29,380 expected
HOL
SAV
INV
MTG
CC
HOL £3,500
SAV £9,380
INV £7,500
MTG £1,000
CC £3,000
Pension: £10,000
Full Year · £71,630 across all quarters
12%
CC
13%
HOL
35%
SAV
34%
INV
4%
MTG
◆ Buffer Accounts
Healthy
Mortgage Buffer
Current
£1,095
Required
£500
Surplus
£595
2.0 months
of cover above requirement
Watch
Credit Card Buffer
Current
£1,268
Required
£1,000
Surplus
£268
0.3 months
of cover above requirement
◆ V1 Investment · Return Scenarios
2× Return Scenario
£44,504
Post-tax return in GBP
Gross return (€)
€57,216
Converted (GBP)
£49,755
Post-tax
£44,504
Return %
+78.9%
Mortgage offset (Jan 2028)
£116,996
2.5× Return Scenario
£63,411
Post-tax return in GBP
Gross return (€)
€85,824
Converted (GBP)
£74,633
Post-tax
£63,411
Return %
+154.9%
Mortgage offset (Jan 2028)
£98,089
Investment Amount
£24,878
€28,608 at 0.8696
Mortgage Reference (Jan 2028)
£161,500
Used as offset benchmark
◆ Pension
Annual Allowance
£60,000
Used This Year
£19,000
Remaining
£41,000
Carry Forward
£145,364
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