Net worth Net worth
−£244,728
Assets £13,526 · Debts £258,253
Annual interest cost
£8,478
£707/month
Monthly debt servicing
£1,636
Across 4 debts
Trend 3 snapshots
May 26 – Jul 26
−£278k −£200k −£121k −£42k £36k £0 −£242k May 26 Jun 26 Jul 26 Horizon TSB Mortgage Rate reset
February 2027 · 7 months away · 2 sub-accounts
Combined monthly direct debit at market rates (other sub-account holds current rate):
Optimistic · 4.0%
£1,070/mo
+£245 vs now
Realistic · 4.5%
£1,115/mo
+£291 vs now
Cautious · 5.0%
£1,163/mo
+£338 vs now
Stress · 5.5%
£1,211/mo
+£387 vs now
Currently £824/month combined.
RCI Car Finance Paid off
August 2029 · 36 months away
Debt paid off, monthly payment of £381.48 freed up
MBNA Loan Paid off
August 2029 · 37 months away
Debt paid off, monthly payment of £430.47 freed up
Emergency Savings
As of 18 Jul 2026
Mortgage Overpayment
As of 20 Jul 2026
Council Tax
As of 20 Jul 2026
Income Tax
As of 20 Jul 2026
Subscriptions
As of 20 Jul 2026
Insurance/Servicing
As of 20 Jul 2026
Quarterly Clean
As of 20 Jul 2026
Home Improvements
As of 20 Jul 2026
Birthdays/Christmas
As of 20 Jul 2026
Finley Birthday
As of 20 Jul 2026
Finley Christmas
As of 20 Jul 2026
Zachary Birthday
As of 20 Jul 2026
Zachary Christmas
As of 20 Jul 2026
Family Experiences
As of 20 Jul 2026
Self Care
As of 20 Jul 2026
Joint Current Account
As of 20 Jul 2026
Car finance £2,826/yr interest −£28,547
RCI Car Finance
Projected 20 Jul 2026 · £381/month payment · 9.90% APR
Loans £946/yr interest −£14,561
MBNA Loan
Projected 20 Jul 2026 · £430/month payment · 6.50% APR
Mortgage £4,706/yr interest −£215,146
TSB Mortgage
2 sub-accounts · £824/month payment · 2.19% blended APR
Mortgage and loan balances are projected forward from the latest known checkpoint. Where the annual rate is unknown, the projection assumes principal-only paydown and interest cost is excluded. Credit card balances and Moneybox are manual unless synced.