Our household · Planning

Make space for what’s next.

Protect the important bits, note what’s coming, then explore one calm “What if?” at a time.

Emergency reserve

£15,000

Target £20,000 · £5,000 still to protect.

Protected across 2 existing cash accounts. It is not a separate balance.

One change at a time

Would the reserve still hold?

Try a Spend or Internal Move against today’s position and the commitments you choose.

Coming up

Known commitments

Renovation deposit

15 Sep to 31 Oct 2026 · Expected range

£4,000–£5,000

Annual home insurance

2 Nov 2026 · Known amount

£780

Saved branches

Recent scenarios

What if? · v1

Pay the renovation deposit

outcome uncertain · evaluated 4 Aug

What if? mode · draft Hypothetical only · your live position will not change

One question, clearly bounded

What would you like to explore?

Choose the type first. Spend and Internal Move have different effects.

1

Choose the kind of change

Spend Money would leave the household. Internal Move Money would stay ours, but accessibility could change.

2

Describe this Spend

Scenario name Amount Date

3

Include known commitments

Renovation depositExpected £4,000–£5,000

This is ready to explore—with a range.

The deposit amount is bounded, so the result may honestly have two outcomes.

Your live position stays unchanged.We’ll save a versioned result.

What if? mode · version 1 Hypothetical result · your live position is unchanged

There are two honest outcomes

The reserve might hold—or might not.

A bounded commitment changes the answer, so both ends stay visible.

Before and after

What this branch would change

Immediate cash now£30,000

After selected commitments£25,000–£26,000Would be

After the Spend£20,000–£21,000Would be

Household net position would move from £412,600 to £407,600. The Spend removes value from the household.

Protected reserve

£20,000–£21,000 would remain protected

Target £20,000 · potential shortfall £0.

Included commitments

1 considered

Renovation depositpossibly included · 15 Sep to 31 Oct£4,000–£5,000

What to keep in mind

Limits stay attached

ordinary spending not modelled
future income not modelled
tax not modelled

Keep exploring

Pay the renovation deposit

Revising creates a new version. This result remains in history.

Live position

£412,600 is our net position.

The hypothetical branch did not change this recorded value.

What to look for

Does planning feel calm, clear and human?

Try Planning, create the synthetic Spend, read the result, then return to Position. The persistent banner and “would” language should make the hypothetical branch unmistakable without relying on colour. On a phone, the same calm hierarchy becomes the native Plan journey for both iPhone and Android.

WP-014 · honest release posture

The local candidate is ready for review—not real data.

The core joint-household journey now runs on web, iPhone and Android. External recovery, device, specialist and both-partner evidence still blocks the private pilot.

Local candidate

Joint record

Portable by design

A versioned household export keeps provenance while excluding credentials, internal security metadata and every other household.

Account access

Sessions stay understandable

Revoke this browser, phone or another session without exposing IP addresses, location or device fingerprints.

What if?

Safe to pause

Scenario evaluation can be disabled with a stable, gentle unavailable state. Existing results and their calculation lineage remain intact.

Web · iOS · Android

One shared financial language

Position, reserve, commitments and scenarios use the same versioned contracts while each client keeps platform-appropriate navigation and secure storage.

Current decision

No-go for real financial data—yet.

Hosted backup and isolated restore within the accepted RPO/RTO
Signed iPhone and Android critical-journey evidence
Security and accessibility specialist reviews
Two independent partner walkthroughs and named support ownership