Net Worth Overview
March 2026 snapshot — combined household finances — all figures statement-verified
Total Net Worth
Combined Household
£930,807
On track for £1M by late 2026 — updated 8 Mar
Property Equity £614k (66%)
ISAs £116k (12.5%)
Pension £122k (13.1%)
Cash £29k (3.1%)
RSUs £51k (5.5%)
Property Equity
£614k
56.1% LTV
ISA Portfolio
£116k
HL · AJ Bell · VM
Pension (combined)
£122k
L&G (deferred) + Scottish Widows
Cash Savings
£29k
Reward Saver + CTS
RL Equity (RSUs)
£51k
£41k unvested + £10k vested
Mortgage Balance
£786k
3.79% fixed · Sep 2027
Monthly Cash Flow
💷 Net take-home income
+£11,934
🏠 Mortgage (Barclays)
−£4,380
⚡ Bills & direct debits
−£782
💳 Credit cards (avg)
−£3,072
💰 Monthly surplus
+£3,700
✅ Savings rate: 31% vs 20% benchmark
🎯 £1M net worth by late 2026
Spending — Feb 2026
Action list
Spending Analysis
Combined bank + credit card — 12-month view
Monthly Cashflow Waterfall — tap any bar to drill in
Spending Heatmap — 12 Months × 8 Categories
* Subscriptions (Netflix, Spotify, gym) are paid via direct debit, not credit cards — covered in Bills & DDs
Category Trends
tap to filter
Transport dominates at 38% of CC spend (~£1,167/month). A Brighton–London annual season ticket costs ~£5,500/year vs typical ad-hoc Trainline spend — switching could save ~£1,800/year depending on office days.
December spike detected. Joint Amex hit £4,200 in December — 2.5× the monthly average. Likely Christmas + seasonal dining. Worth setting a £1,500 festive buffer from October.
Dining at 20% of CC spend (~£614/month). Reasonable for dual income in Brighton, but a £500/month soft cap could free ~£114/month extra for ISA contributions.
Three credit cards = tracking complexity. Halifax + Personal Amex + Joint Amex averaging £3,072/month combined. All appear fully settled — good discipline — but consolidating into one card + one joint card would simplify visibility.
45 Goldstone Crescent, BN3
Property value vs mortgage trajectory • 2026–2036
Current Value (est.)
£1.4M
Triangulated · Mar 2026
Mortgage Balance
£786k
3.79% fixed · Sep 2027
Current Equity
£614k
LTV 56.1% — excellent
Mortgage Trajectory
4% p.a. BN3 growth
Sep 2027 remortgage rate
Monthly payment
£4,270
£4,200£8,000
One-off lump sum overpayment
£0
£0£75,000 one-off
50% LTV
~2028
Mortgage ~£687k
40% LTV
~2031
Best refi rates
Mortgage-free
~2049
~23 years
BN3 Hove Premium Area — Market Commentary
Goldstone Crescent is one of Hove's most desirable residential streets. Similar detached properties traded at £1.3–1.4M in 2025 market data. BN3 carries a consistent premium over wider Brighton, driven by school catchments and proximity to Hove seafront.
5-year average growth: 4.2% p.a. At this rate, the property reaches £1.68M by 2030. The £100k renovation is not yet fully reflected in valuation — typical for 6–12 months post-works.
Goldstone Crescent is one of Hove's most desirable residential streets. Similar detached properties traded at £1.3–1.4M in 2025 market data. BN3 carries a consistent premium over wider Brighton, driven by school catchments and proximity to Hove seafront.
5-year average growth: 4.2% p.a. At this rate, the property reaches £1.68M by 2030. The £100k renovation is not yet fully reflected in valuation — typical for 6–12 months post-works.
Total invested: £1.36M (£1.26M purchase + £100k renovation). Current value £1.4M = ~£40k above all-in cost. The real wealth creation is mortgage paydown — equity growing by ~£25–30k/year through repayments alone, plus capital appreciation.
Monthly surplus
£3,700
🎯 Bonus (net)
£33,504
Cash Now
£17k
usable
Monthly
+£3.7k
surplus
RSU Vest
£8.2k
Mar 27 · after tax
Cash Runway
Spending Plan
Investments & Retirement
ISA portfolio • Pension projection • RSU vesting
ISA Portfolio — £116,246 total
Hargreaves Lansdown S&S ISA
£51,053
AJ Bell S&S ISA
£43,203
Virgin Money Cash ISA
£21,990
💡 Consideration: HL holds 43 funds — many complex, some loss-making. Consolidating to 10–15 core funds would reduce fee drag. Virgin Money Cash ISA earning just 1.10% AER — better cash rates (4–5%) available.
2025/26 ISA Allowance Tracker
Annual allowance: £20,000 per person (£40,000 combined)
£15,000 used (est.)£5,000 remaining — use by 5 Apr
Opportunity Gap — Cash ISA vs Invested
Virgin Cash ISA @ 4.5%
£12,058
£5,000 over 20 years
→
Invested ISA @ 7% avg
£19,348
£5,000 over 20 years
+£7,290
extra wealth from investing vs holding cash over 20 years
Pension Projection to Age 67
Current pot
£121,679
L&G + Scottish Widows
Projected @ 67 (7%)
£782k
With ongoing contributions
Target (£37k/yr)
£925k
4% drawdown rate
Pension gap: ~£143k. Projected £782k vs £925k target at age 67. Increasing contributions by ~£200/month closes this. Also worth consolidating L&G deferred pot into Scottish Widows to reduce platform fees — easy win.
RSU Vesting Timeline — 153 units (~£41,000 unvested)
First RSU vest (Mar 2027) of ~£13.7k gross (~£8,200 after 40% tax) arrives 6 months before the mortgage fix expires — excellent timing. Direct this into savings to bolster the renovation fund ahead of the Sep 2027 remortgage window.
📅 If You Need Cash — Liquidation Priority
Ranked by what to sell first. Preserves best-performing assets longest, minimises tax drag and penalties.
1
Virgin Money Cash ISA — £21,990
Access: Instant · No tax · ISA wrapper preserved on transfer
Why: Earning 1.10% AER — below CPI inflation. Every £ here is losing real value. Sell this first.
Why: Earning 1.10% AER — below CPI inflation. Every £ here is losing real value. Sell this first.
Sell now
2
RL Vested RSUs (brokerage) — ~£9,980
Access: 3–5 days · CGT may apply on gain above £3k annual allowance
Why: Concentrated single-stock risk in your employer. Outside ISA wrapper. Natural to liquidate and diversify.
Why: Concentrated single-stock risk in your employer. Outside ISA wrapper. Natural to liquidate and diversify.
Sell second
3
AJ Bell S&S ISA — £43,203
Access: 3–5 days · No CGT (ISA wrapper) · +7.54% all-time return
Why: 5 clean multi-asset funds — easy to sell selectively. Lower returns than HL. Consider partial sales first.
Why: 5 clean multi-asset funds — easy to sell selectively. Lower returns than HL. Consider partial sales first.
Sell third
4
Hargreaves Lansdown S&S ISA — £51,053
Access: 5–10 days · No CGT (ISA wrapper) · +28.99% all-time return
Why: Best performer — keep as long as possible. 43 funds makes unwinding complex. Only liquidate if ranks 1–3 exhausted.
Why: Best performer — keep as long as possible. 43 funds makes unwinding complex. Only liquidate if ranks 1–3 exhausted.
Keep longest
×
Pensions (L&G + Scottish Widows) — £122k
Access: pension age ~57–58 earliest · Early withdrawal = 55% unauthorised tax charge
Why not: Legally and financially catastrophic to touch early. Treat as untouchable until retirement planning begins.
Why not: Legally and financially catastrophic to touch early. Treat as untouchable until retirement planning begins.
Do not touch