2
Debt-to-income at 49.2% of net — £3,050/mo of take-home committed to debt service.
Avalanche the highest-APR balance with £438/mo extra principal. Pause new credit until DTI clears 43%.
Medium impact
PERSONAL CFO / BOARDROOM
Personal CFO — Boardroom
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// SECTION 01
Your Current Position
// 01 Executive Summary
Financial Position: Mixed — targeted action needed
- Cash flow is positive (£1,752/mo) and liquidity is at 3.1 months of expenses.
- Primary Constraint: Debt burden. Debt service consumes 49% of net income — above the 43% sustainability threshold. Spending is reasonably controlled; debt is the binding constraint.
// 02 Other Priorities
Next 1 of 1// 03 Primary Action
What to do nextRestructure or accelerate paydown on highest-rate debt to bring DTI under 43% of net income.
Tied to your primary constraint: Debt burden.
Plan this action →// 04 Key Metrics
Supporting figuresFree Cash Flow
Healthy$1,752/mo
You are retaining +28% of your income each month after expenses and debt service.
Liquidity Runway
Below target3.1months
How long cash covers expenses.
Debt-to-Income
High49%of net
Debt service is 49% of net income — above the 36% comfort level.
Net Worth
Positive$66,000
Assets (incl. property) minus liabilities (incl. mortgages).
Discretionary Spend
Disciplined$468/mo
Non-essential monthly spend.
Cash Flow Bridge
You retain $1,752 per month after all costs
Housing, essentials, and debt absorb 72% of your income · You keep 28%
- Net Income$6,200
- Housing−$2,100
- Non-housing essentials−$930
- Discretionary−$468
- Unsecured Debt−$950
- Free Cash Flow$1,752
// Detailed reconciliation — trace every figure▾
08 — Calculation Check
Reconciliation
Trace every headline metric back to its components. Click any aggregated row to drill into the underlying line items.
Free Cash Flow
- +Net Income$6,200
- −Housing — mortgage payments· From property module$2,100
- Free Cash Flow$1,752
Total Debt Service (for DTI)
- +Mortgage payments$2,100
- Total debt service$3,050
Net Worth
- +Cash$14,000
- +Investments$62,000
- +Property values$0
- +Other assets$28,000
- Total assets$104,000
- −Mortgages$0
- −Other liabilities (cards, loans, overdrafts)$38,000
- Total liabilities$38,000
- Net Worth$66,000
// 05 Goals & Commitments
View progress →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%
// 03 3-Month Projection
3-month horizon · current behaviourOn track to maintain your target cash buffer.
Based on current monthly behaviour. Shaded band = ±10% expense variability.
Projected balance Target buffer ±10% range
At month 3
Projected balance
$19,256
Target buffer
$9,090
3× essential spend
Gap to target
+$10,166 above
🔒 Extend your horizon to 6–12 months and model scenarios (Pro)
// 06 What-If Analysis
Explore different scenarios
Test how a salary change, debt payoff, or large purchase would shift your ratios and runway — before you commit.
Go to What-If Analysis →// SECTION 02
Operational Ratios
Balanced scorecard and the individual ratios that drive it — measured against institutional benchmarks.
// Balanced Scorecard
Overall: Stable, with leverage to watch.Liquidity
strong
Within benchmark.
Cash Flow
strong
Within benchmark.
Leverage
watch
→ Reduce debt burden
Efficiency
strong
Within benchmark.
// Ratio Cards
5 additional ratios identified
See how your position evolves monthly with the full ratio set and institutional benchmarks.
Advanced insights Pro
Unlock audit history, trend charts, scenario modelling and benchmark comparisons.
// Future Outlook 🔒 Pro preview
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.
Target
$20,988
$20,988
Current
$11,010
$11,010
Gap
$9,978
$9,978
Scenario modelling
Monthly surplus
$2,702
$2,702
End runway
7.8 mo
7.8 mo
Δ vs now
+4.6 mo
+4.6 mo
🔒 Unlock 12-month projections, scenario sliders & buffer goals (Pro)
// NEXT MONTH PLAN
Targets for the next 30 days
Specific, achievable moves tied to the weaknesses surfaced in this audit. Each target carries a number you can measure against next month.
// PRIMARY OBJECTIVE
Build 6-month emergency fund while paying down high-rate debt.
- Liquidity$14,000 → $14,526
Increase cash buffer by £526 this month
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 month over month.
// PERFORMANCE OVER TIME
Net worth, free cash flow & runway charts — Pro
Charted across every audit you file, with directional trend insights to flag when momentum shifts.
// LOCKED CAPABILITIES
Unlock full financial oversight
Available on Pro — see how your position evolves monthly and act on every directive.
Historical tracking
Track your financial progress over time.
Compare month-over-month 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 monthly.
Your ratios charted against institutional benchmarks across past filings.
// Projects & Savings Goals
Available FCF: $1,752/moEmergency Fund
Emergency fund
$14,000 / $24,00058%
Suggested savings
$306/mo
over 12 mo
% of FCF needed
48%
If funded by credithigh risk
Payment
$926/mo
Interest
$1,116
New DTI
64.1%
- · DTI rises to 64.1% of net income (above 43% safe limit).
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
Italy holiday
$1,200 / $6,00020%
Suggested savings
$220/mo
over 8 mo
% of FCF needed
34%
If funded by credithigh risk
Payment
$646/mo
Interest
$367
New DTI
59.6%
- · DTI rises to 59.6% of net income (above 43% safe limit).
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
New laptop
$0 / $2,8000%
Suggested savings
$467/mo
over 6 mo
% of FCF needed
27%
Credit planhigh risk
Payment
$498/mo
Interest
$190
New DTI
57.2%
- · DTI rises to 57.2% of net income (above 43% safe limit).
- · High APR (22.9%) — interest exceeds investment returns.
Avoid credit. At 22.9% APR you'll pay an extra 190 and stretch DTI to 57.2% of net. Save from FCF instead — even a longer timeline is cheaper.
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