05 · The good problem
Now decide where the leftover lives.
Your monthly surplus, sliced four ways. Move each slider independently — the four shares must add up to 100%.
Current surplus
-£196
Income − all expenses
Recovered from leaks (60%)
£253
of your £421 monthly leak
Your working surplus
£57
What we allocate below
Monthly surplus (with leaks reclaimed)
£57
Annualised: £680
Allocation mix
Total: 100% ✓
SavingsEmergency fund, short-term goals
40%£23
40
InvestingStocks, index funds, pension
30%£17
30
Debt repaymentAbove-minimum payoff
20%£11
20
Fun moneyGuilt-free spending
10%£6
10
12-month projection
| Month | Savings | Investing | Debt repayment | Fun money | Cumulative |
|---|---|---|---|---|---|
| M1 | £23 | £17 | £11 | £6 | £57 |
| M2 | £45 | £34 | £23 | £11 | £113 |
| M3 | £68 | £51 | £34 | £17 | £170 |
| M4 | £91 | £68 | £45 | £23 | £227 |
| M5 | £113 | £85 | £57 | £28 | £283 |
| M6 | £136 | £102 | £68 | £34 | £340 |
| M7 | £159 | £119 | £79 | £40 | £397 |
| M8 | £181 | £136 | £91 | £45 | £453 |
| M9 | £204 | £153 | £102 | £51 | £510 |
| M10 | £227 | £170 | £113 | £57 | £567 |
| M11 | £249 | £187 | £125 | £62 | £624 |
| M12 | £272 | £204 | £136 | £68 | £680 |
You're done — let's reveal your plan
Create a free account in 20 seconds to see your full financial health score and save your plan. Everything you've typed is held safely on this device.
Reveal my plan Help others trust this
Be the first voice others hear.
One honest review from you could be the reason someone else finally takes control of their money.
⏱ Under 30 seconds⭐ Text, photo or video🤝 Helps real people decide