PERSONAL CFO / BOARDROOM
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Personal CFO helps you understand your financial position using the information you enter. Your data is private, securely stored, and not shared with third parties.
Not financial advice
Analytical insights based on what you enter — not investment, tax, or financial advice. Consider your circumstances and seek professional advice where appropriate.
// SECTION 01
// 01 Executive Summary
Redirect £526/mo (within your allocatable FCF) into a high-yield cash account until reserves reach £26,688.
Net cash retained each month.
How long cash covers expenses.
All debt payments (incl. mortgages) ÷ net income.
Assets (incl. property) minus liabilities (incl. mortgages).
Non-essential monthly spend.
Cash Flow Bridge
Housing, essentials, and debt absorb 72% of your income · You keep 28%
08 — Calculation Check
Trace every headline metric back to its components. Click any aggregated row to drill into the underlying line items.
Free Cash Flow
Total Debt Service (for DTI)
Net Worth
Primary goal
Build 6-month emergency fund while paying down high-rate debt.
Target
$18,000
Current progress
$14,000/ $18,000
Status
On track
78%
On track to maintain your target cash buffer.
Based on current monthly behaviour. Shaded band = ±10% expense variability.
At month 3
Projected balance
$22,106
Target buffer
$9,090
3× essential spend
Gap to target
+$13,016 above
🔒 Extend your horizon to 6–12 months and model scenarios (Pro)
Test how a salary change, debt payoff, or large purchase would shift your ratios and runway — before you commit.
Go to What-If Analysis →Advanced insights Pro
Unlock audit history, trend charts, scenario modelling and benchmark comparisons.
Runway improving from 3.1 to 7.8 months.
Based on current monthly behaviour.
Cash buffer target
At current rate, you will reach a 6-month buffer in 4 months. Reach it within 12 months by saving ~13% of income.
Scenario modelling
🔒 Unlock 12-month projections, scenario sliders & buffer goals (Pro)
// NEXT QUARTER PLAN
Specific, achievable moves tied to the weaknesses surfaced in this audit. Each target carries a number you can measure against next quarter.
// PRIMARY OBJECTIVE
Build 6-month emergency fund while paying down high-rate debt.
Your stated target is £18,000. Auto-transfer £526/mo to a high-yield account. At this rate you'll fully close the £4,000 gap in ~8 months.
2 additional targets identified
Pro unlocks the full forward-looking plan and tracks delivery quarter over quarter.
// PERFORMANCE OVER TIME
Charted across every audit you file, with directional trend insights to flag when momentum shifts.
// LOCKED CAPABILITIES
Available on Pro — see how your position evolves quarterly and act on every directive.
Historical tracking
Track your financial progress over time.
Compare quarter-over-quarter snapshots to see whether your position is improving.
Full directive engine
Access full audit directives.
Every prioritised action with target, impact, and timeline — not just the top one.
Scenario modelling
Pressure-test decisions before you commit.
Model raises, large purchases, or rate changes against your live ratios.
Benchmark comparisons
See how your position evolves quarterly.
Your ratios charted against institutional benchmarks across past filings.
Emergency Fund
Based on your current surplus, you can allocate ~£306/mo. At this rate, you will reach your target in ~33 months (your stated timeline of 12 months would require £833/mo, above your allocatable FCF).
Holiday / Travel
Based on your current surplus, you can allocate ~£220/mo. At this rate, you will reach your target in ~22 months (your stated timeline of 8 months would require £600/mo, above your allocatable FCF).
Major Purchase
Avoid credit. At 22.9% APR you'll pay an extra 190 and stretch DTI to 23.4% of net. Save from FCF instead — even a longer timeline is cheaper.
Quick check
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