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
1 more ranked// 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 $1,562 per month after all costs
Housing, essentials, and debt absorb 75% of your income · You keep 25%
- Net Income$6,200
- Housing−$2,290
- Non-housing essentials−$930
- Discretionary−$468
- Unsecured Debt−$950
- Free Cash Flow$1,562
// 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$1,562
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
Notes & Warnings
Free cash flow does not reconcile: bridge £1,562 vs displayed £1,752 (Δ −£190).
Itemised expenses (£3,498/mo) reconcile within tolerance to bridge expense side (£3,688/mo).
// 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
$22,106
Target buffer
$9,090
3× essential spend
Gap to target
+$13,016 above
// 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 →// Future Outlook
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
// NEXT QUARTER PLAN
Targets for the next 90 days
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.
- Liquidity$14,000 → $15,577
Increase cash buffer by £1,577 this quarter
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.
- Leverage$38,000 → $35,000
Reduce total debt by £3,000
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.
- Capital Allocation$62,000 → $62,657
Invest £657 this quarter
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.
// 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.
Quick check
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