One page that tells you where you stand and where you are headed
A personal financial plan does not need to be complicated to be powerful. It needs four honest numbers — what you own, what you owe, what you keep each month, and where that money is headed — and the discipline to look at them. This builder computes your net worth, your savings rate, an emergency-fund target sized to your real expenses, and a compound projection of your investing, then assembles it into a plan you can revisit each month.
How it works
The tool runs the standard personal-finance formulas on your inputs:
Net worth = total assets − total debts
Savings rate = (income − expenses) / income
Emergency fund = monthly expenses × months chosen
Retirement FV = M × [ ((1+r)^n − 1) / r ]
M = monthly invested
r = annual return / 12 (monthly rate)
n = years × 12 (number of months)Net worth nets everything you own against everything you owe. Savings rate measures the share of income you keep — the lever that drives every other number. The emergency fund is sized to your actual monthly cost of living. The retirement figure uses the future-value-of-an-annuity formula, compounding your monthly contributions monthly at your expected return, which is why starting early matters so much.
Tips and example
Suppose you save £600 of £3,000 monthly income — that is a 20% savings rate. Invest that £600 a month at a 7% expected annual return for 30 years and the annuity formula gives roughly £730,000, almost all of it from compounding rather than the £216,000 you contributed. Size your emergency fund to essential expenses, not your full budget, and aim to lift your savings rate by a percentage point or two each year. The projection is a planning estimate, not a promise — real markets are bumpy and inflation reduces what the final number buys — so revisit the plan as your income and goals change.