Savings Plan

As of 21 Mar 2026
Current Snapshot — Live Balances
Holiday Fund
£10,128
21 Mar 2026
Trading212 Holiday
£10,1284.05%
Savings
£55,415
21 Mar 2026
Cahoot
£52,5164.40%
Nationwide
£1,2006.50%
Zopa
£1,6993.25%
Investment (ISA)
£94,395
21 Mar 2026
Trading212 ISA £67,731
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
£8,500
Gross contribution
Net cost: £4,250
Dec 2026
£10,000
Gross contribution
Net cost: £5,000
Year Gross Contribution
£38,500
Net cost to you: £19,250
Carry-Forward Available
£156,084
Running balance across tax years
Annual Allowance 2025/26
£0
£0 used · £0 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
Strategic Reserves · BL Suite
Earnings ///
Savings + Holiday
£65,543
Savings £55,415 Holiday £10,128
Investment
£94,395
T212 portfolio
As Of
21 Mar 2026
last updated
Mtg Buffer
£1,585
surplus £585
CC Buffer
£2,257
surplus £257
Savings Accounts
Current Balances
Zopa
£1,699
T212 Holiday
£10,128
Nationwide
£1,200
Cahoot
£52,516
Savings Projection
Jun 26
£66,415
+£11,000 uplift
Sep 26
£67,165
+£750 uplift
Dec 26
£68,165
+£1,000 uplift
Mar 27
£69,165
+£1,000 uplift
Investment Projection
Jun 26
£105,395
+£11,000 uplift
Sep 26
£106,145
+£750 uplift
Dec 26
£107,145
+£1,000 uplift
Mar 27
£108,145
+£1,000 uplift
Total Commission · All Quarters
£43,500
Holiday £5,500 Savings £13,750
Quarterly Breakdown
Jun 2026
Gross £34,250
Cc £3,500
Holiday £2,750
Savings £11,000
Investment £11,000
Mortgage £1,000
Sep 2026
Gross £4,250
Cc £1,000
Holiday £750
Savings £750
Investment £750
Mortgage £1,000
Dec 2026
Gross £5,000
Cc £1,000
Holiday £1,000
Savings £1,000
Investment £1,000
Mortgage £1,000
Mar 2027
Gross £5,000
Cc £1,000
Holiday £1,000
Savings £1,000
Investment £1,000
Mortgage £1,000
Annual Pension Contribution
£38,500
Net cost £19,250 Allowance £0
Used
£0
of allowance
Remaining
£0
available
Quarterly Timeline
Mar 2026
£10,000
Net cost £5,000
Jun 2026
£10,000
Net cost £5,000
Sep 2026
£8,500
Net cost £4,250
Dec 2026
£10,000
Net cost £5,000
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