Projected through 31 December
Balances grouped by account type.
Month-end account balances since December 2023
Income, outgoings, and bills due in the next 14 days
What is genuinely free to spend once the bills and payments still due are set aside.
- Barclays Current: about £1,511.39 safe to spend before your next pay on 25/09/2026, once the bills and payments still due are set aside.
- Monzo Current: about £4,000.00 safe to spend over the next 45 days, once the bills and payments still due are set aside.
£5.99/month if you keep it.
2 events in the next 7 days · £8.99 due out
- Sun 06/09 Cancel Disney+ before renewal
- Wed 09/09 Disney+ £8.99
+£1,020.71 vs the prior week (136% higher).
- Housing£1,150.00
- Council Tax£165.00
- Debt payment£150.00
Deadlines worth planning around over the next 90 days.
- Cancel Disney+ by in 3 days
- NYTimes Cooking free trial ends in 9 days
- Octopus Energy Gas & Electricity fix ends in 45 days
- Cancel Amazon Prime by in 2 months
- Water due in 2 months
- Car service needed by in 3 months
Insurance and breakdown cover are usually cheapest bought a few weeks before renewal, not on the day. These are coming up.
- Car Insurance renews 11/10/2026 · in 38 days. Quotes are usually cheapest around three to four weeks before renewal, not on the day. Compare across the market then rather than letting it roll over.
Tiles light up only when there's something to act on
3 things worth noticing.
Savings and investment accounts, last 12 months
You added £19,307.40 but the balances fell £1,825.00 over the year, so the rise is smaller than what you put in. Falling markets or a lower revaluation can do this.
Money added is the net of transfers in, deposits and withdrawals across your savings and investment accounts. Growth is the rest of the change. Current-account spending and debts aren't included.
Open ⤢11 categories · £1,584.97 total
Open ⤢Your mortgage at a glance.
Open ⤢How your Council Tax compares to the England band average · gov.uk
Yearly figures assume Council Tax is collected over the number of payments set on the bill, 10 by default. If you pay over 12 instead, set that on the bill so the totals match what you actually pay. Wales and Scotland set Council Tax independently. These benchmarks are England-only. Disagree with your band? You can challenge it via gov.uk (Valuation Office Agency).
UK figures last verified 2026-05-29 · estimates only, not tax advice · check gov.uk or override in Settings → UK figures if anything looks off.
Open ⤢What you've used of each annual allowance. Resets 6 April.
Filling in Self-Assessment? Generate the tax-year summary for a printable totals page.
Open ⤢+£24.00/year net impact across 1 sub.
+£216.00/year net impact across 1 bill.
Different services doing a similar job. Worth a look if you're paying for more than you use.
4 recurring bills not on DD. UK providers typically discount 2-10% for DD, about £46.55 a year.
1 sub unused for 90+ days, about £95.04 a year combined. Worth a cancel review.
You're leaving employer money on the table. Your employer matches up to 10% of your £84,000.00/year salary (£8,400.00/year). You've contributed £6,720.00 so far this tax year, £1,680.00 short of the match cap. If you bump your contributions up to 10%, your employer puts in an extra £1,680.00 that you'd otherwise miss.
Speak to your HR / pensions team to adjust your contribution rate. Update Settings → Preferences → Pension contributed this tax year after your next payslip lands.
Open ⤢£94.99 across 3 refunds. Kept out of your income totals so they don't double-count. Top categories: Energy £47.20 · Shopping £34.99 · Groceries £12.80.
£2,589.19 of unscheduled income in the last two months. Putting it on Current account overdraft (39.9% APR) would save about £1,033.09 in interest over the next year.
How long each debt takes at its current payment, and what the interest adds up to.
- At £75.00 a month, Barclaycard takes about 4 years to clear and costs about £1,049.41 in interest. Paying about £90.00 a month would clear it in three years.
£8,400.00 across 3 interest-bearing debts at a weighted 13.6% APR, accruing about £95.30 a month in interest. Two routes UK borrowers use to cut that:
- Consolidation loan. Typical representative rate around 6.9% APR (best-qualified 5.6%). Moving this from 13.6% to 6.9% could save roughly £564.00 in interest over a year at the same balance.
- 0% balance transfer card. 0% interest for up to 28 months on the £2,400.00 of card debt, for a one-off fee of about 2.99% (£71.76). You pay no interest if you clear it inside the 0% window.
Rates verified 2026-05-28. "Representative APR" means at least 51% of accepted applicants get it; your own rate depends on your credit profile. Consolidating over a longer term can cost more overall even at a lower rate, and a secured or homeowner loan puts your home at risk. This isn't a recommendation. Before consolidating, speak to a free debt charity: StepChange (0800 138 1111), National Debtline (0808 808 4000), or Citizens Advice (0800 144 8848). Sources: MoneyfactsCompare + MoneySavingExpert (2026).
Open ⤢You're projected to have about £855.65 a month spare. Ranked by what each option does to your money: the arithmetic, not advice.
First, the free money: your employer matches pension up to 10% of salary. Matched money is an instant 100%, the highest return there is. See the Workplace pension panel.
Ordered purely by rate. Guaranteed debt/mortgage savings sit above variable savings returns of the same %. Your own circumstances (access, risk, tax, employer match) decide what's right. Not financial advice.
Open ⤢