Whole-product blueprint · Synthetic concepts only · No account or financial data is connected

Our household · Tuesday 4 August

One place for the life we’re building.

A calm view of where we are, how the month works and what deserves our attention next.

MPJoint view

Our position

£412,600

is our current net position · 94% source coverage

Expected this month

£2,460

unallocated after income, bills, goals and provisions.

Tax provision

£18,400

set aside against £40,200 currently estimated.

Next goal

75%

£15,000 of our £20,000 emergency reserve protected.

Worth a look

Two gentle nudges—not a wall of alerts.

Explore

Every financial world, connected.

Household · shared by default

Ours to understand. Still correctly owned.

Both partners see the complete included picture while ownership and tax treatment stay explicit.

H1 foundation
M

Household member

Mike

Visibility
All included records
Employment income
£4,250 net monthly
Company
Director · 100% shareholder
Tax position
Individual
P

Household member

Partner

Visibility
All included records
Employment income
£2,950 net monthly
Property
Joint home · 50%
Tax position
Individual

The household rule

Visibility, ownership and planning inclusion are three different things.

A personal ISA can be legally Mike’s, visible to both partners and included in the shared retirement plan. Future private views can change visibility without rewriting ownership.

Included financial worlds

One household context

Employment incomeLimited companyJoint homeRental propertyISAPensionsCryptoMortgage

Cashflow · August

Know where the month goes—before it starts.

A plan for recurring money, an honest view of actual spending and one clear amount left unallocated.

H2 monthly clarity
Net income£7,200Mike + Partner
Committed month£4,740Bills, goals, provisions
Unallocated£2,460Expected, not “safe to spend”

Coming in

Joint income

£7,200
MMike salaryLast working day · net received£4,250
PPartner salary25th · net received£2,950

Going out

Bills & subscriptions

£2,850
Home & mortgage£1,850
Utilities£420
Transport£260
Insurance£180
Subscriptions£140

Planning ahead

Goals & provisions

£1,890
◎Goal contributionsReserve, wedding, renovation£1,250
↗InvestingISA and pension£190
◷Annual cost provisionInsurance, servicing, memberships£450

This month so far

Observed spending

12 days
£2,180of £4,740 expected

Two transfers excluded · three transactions need a category.

Subscriptions

£140 across 7 active services

One price changed this month. Nothing is labelled “waste”—you decide what still earns its place.

Netflix £18Spotify £20Adobe £574 more £45

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

Whole-product horizon

Questions LifeHQ should grow into

Future scenario types
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

2

Describe this Spend

3

Include known commitments

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.

Position · as of 4 August

£412,600 is our net position.

What we own and owe, with legal ownership, liquidity, source and freshness kept attached.

Implemented foundation
Assets£914,40010 included items
Liabilities−£501,8003 included items
Net position£412,60094% source coverage

By financial world

Position composition

●Cash4 accounts£30,200
◇Other net itemsVehicle, finance and other liabilities−£60,000

Access to money

Liquidity

£30.2kimmediate cash
Immediate
£30,200
Restricted
£48,500
Illiquid
£835,700

Liquidity is contextual. Protected reserve and scenario purpose can change what is available.

Trust summary

11 fresh · 1 aging · 1 manual update due

Business · Mike Consulting Ltd

Know what the company can support.

A decision layer over Xero—not another ledger.

H4 financial worlds
Xero is the accounting authority

Synced 38 minutes ago · year ending 31 March 2027

Connected
Company cash£58,400Bank + deposit account
Year-to-date profit£74,800Before Corporation Tax
Retained earnings£82,600Latest closed period
CT estimate£14,200LifeHQ estimate · v2026.1

Extraction space

About £35,000 could be distributable

After the current Corporation Tax estimate, known company commitments and a £20,000 operating buffer.

This is not a dividend recommendation.

Personal Dividend Tax, share rights and final accounts still affect the answer.

Company commitments

Next 90 days

£23,900
%Corporation Tax provisionEstimated · due Jan 2028£14,200
◷VATFiled by Xero · due 7 Sep£6,800
↘Software and insuranceKnown recurring costs£2,900

Property · two homes in the picture

Equity, costs and the dates that matter.

Our home and rental stay separate because they serve different jobs and have different tax consequences.

H4 financial worlds
⌂Our home

Joint · 50/50

Family home

Current
Value£485,000
Mortgage−£330,000
Equity£155,000

4.39% fixed · £1,720 monthly · fix ends August 2028

⌂Rental

Mike · 100%

Rental flat

Manual value
Value£235,000
Mortgage−£146,000
Equity£89,000

£1,200 monthly rent · £410 average costs · 4.1% estimated net yield

Combined equity£244,000Before selling costs or tax
Mortgage freedom32%Home equity / current value
Rental return4.1%Explainable net-yield estimate

Next property event

Home mortgage fix ends in August 2028

Planning can compare rates, overpayments and available cash without changing the recorded mortgage.

Investments · joint plan, correctly owned

£126,400 working towards our future.

Wrapper, owner, provider and goal remain visible—performance is only one part of the story.

H4 financial worlds

By wrapper

Household allocation

ISA£48,200
Pensions£47,800
Taxable shares£22,600
Crypto£7,800

This tax year

Allowance space

Mike ISA remaining
£8,000
Partner ISA remaining
£14,500
Recorded pension contributions
£9,600
Realised gains
£4,100

Completeness depends on every relevant provider and taxable disposal.

Accounts and providers

Everything in one allocation view

Tax · 2026/27 estimate

See what may be owed—before it becomes a surprise.

Separate estimates for each person and company, with every rule version, source and missing input available to inspect.

H5 tax-aware decisions

Estimated household and company tax

£54,400across two people and one company
Currently identified as set aside£32,600
Provision is not the same as tax paid.

Mike · individual

£28,400 estimated

3 assumptions
Income Tax & NI
£15,900
Dividend Tax
£6,800
Capital Gains Tax
£5,700

Partner · individual

£11,800 estimated

Complete
Income Tax & NI
£11,800
Dividend Tax
£0
Capital Gains Tax
£0

Mike Consulting Ltd

£14,200 estimated

Xero facts
Corporation Tax
£14,200
VAT due next
£6,800
PAYE
Handled monthly

Payment timeline

Dates that could affect cash

31 Jan 2027Self Assessment + payment on account£20,100 est.31 Jul 2027Second payment on account£8,400 est.1 Jan 2028Corporation Tax£14,200 est.
Estimate, not filing or advice.Rule set 2026.1 · ordinary caveats and missing-source warnings stay attached.

Goals · money with a purpose

Make progress towards the life—not just the number.

Allocations show intent without pretending money exists twice.

H6 life planning
☂

Emergency reserve

£15,000 of £20,000

£5,000 to protect · funded across two cash accounts

♡

Wedding

£12,000 of £18,000

Target June 2027 · on track at £650/month

⌂

Renovations

£22,000 of £35,000

Target October 2027 · one commitment upcoming

✦

Future child

£0 of £12,000

Planning assumption only · no target date chosen

↗

FIRE number

£539,000 of £1.2m

Projected, not guaranteed · assumptions need review

◇

Mortgage freedom

32%

Home equity basis · excludes future interest

One pound, one job

£15,000 protected for the reserve is still cash—not another asset.

Goal allocations change planning availability and meaning. They never increase net worth.

Financial Timeline · our story

See where we’ve been—and what may come next.

Recorded facts, scheduled dates, assumptions and projections never blur into one another.

H6 life planning
2019
Observed

Bought the rental flat

Purchase recorded from statement and ownership evidence.

+£235,000 asset
2025
Observed

Bought our home

Joint ownership · mortgage and purchase value recorded.

2026
Asserted

Inheritance received

Manually recorded by Mike · source document attached privately.

+£15,000 cash
2027
Assumed

What if we have our first child?

Planning assumption with estimated costs—not recorded reality.

2028
Scheduled

Mortgage fixed rate ends

Contractual date from mortgage evidence.

2031
Projected

ISA could reach £82,000

Versioned projection at 5% nominal growth; not guaranteed.

£76,000–£89,000 range

Sources · trust centre

Know what is connected, current and incomplete.

Every number keeps its authority and freshness. Connections observe; they do not silently rewrite household meaning.

Cross-cutting
94%of the current net position has fresh or current source coverage

One pension value is aging. Two property values are manually asserted.

Banking

Monzo / Open Banking

Balances and transactions · synced 12 min ago

Current

Business

Xero

Company cash and accounts · synced 38 min ago

Current

Investments

Trading 212

ISA holdings and value · synced today

Current

Investments

Revolut

Taxable shares · synced today

Current

Pensions

Manual statements

One value updated 46 days ago

Aging

Property

Household assertions

Values entered manually with evidence dates

Manual

Reconciliation

A provider observation is evidence—not automatically the final truth.

Duplicates, transfers, ownership classifications and household corrections remain reviewable and auditable.

Whole-product review guide

Does this feel like one understandable financial life?

The broad modules are synthetic concepts. Position and bounded Planning are the implemented foundation; the rest exists so the product can be judged before another architecture gate.

Your review
1

Start at Home

Is this the right weekly briefing, or is anything essential missing?

2

Follow the month

Does Cashflow make bills, subscriptions, joint income and headroom immediately clear?

3

Visit each world

Do Business, Property, Investments and Tax feel connected without becoming accounting software?

4

Look forward

Do Goals, Planning and Timeline turn money into understandable life decisions?

Nothing here authorises real-data use or future implementation.After product review, each horizon receives its own architecture, specialist gates and bounded work packages.

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

Synthetic interaction

This action is represented in the product specification.

Some foundations are implemented and some modules are future concepts. This public review stays read-only and synthetic so it cannot expose or modify household data.