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
Test how a salary change, debt payoff, or large purchase would shift your ratios and runway — before you commit.
Go to What-If Analysis →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
// 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.
Your stated quarterly target. Avalanche the highest-APR balance with £1,000/mo of extra principal. At your current allocatable FCF this realistically takes ~7 months.
Partial unlock (3–6mo runway). £219/mo into productive assets — scale up at 6mo runway.
// PERFORMANCE OVER TIME
File at least two audits to begin tracking performance across quarters.
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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