System BL // JARVIS
Module Finance
Sync 15 Apr 2026
Liquid NW £185,868
Cash Flow · Net Worth · Capital Operations
Finance
LIVE · 15 Apr 2026
Overview
Cash Flow
Categories
Insights
Net Worth
Total Net Worth
£614,625
Incl. house & pension
Avg Monthly Income
£11,936
All accounts · last 12m
Avg Monthly Spend
£7,224
All accounts · last 12m
Joint Income
£2,083
Joint account · avg 12m
Joint Spend
£3,802
Joint account · avg 12m
Cash & Savings
£72,741
Liquid cash holdings
Investments
£115,023
ISAs & portfolios
JARVIS · Daily Brief
Your household finances reveal a striking bifurcation, Sir: your personal 39.5% savings rate is exemplary, but the joint account is hemorrhaging at −82.6%, burning through £1,719 monthly despite £2,083 in combined income. The core strength remains solid—liquid assets of £185,868 and investments exceeding your outstanding mortgage by nearly £57,000—but this joint drag warrants immediate reconciliation on spending categories and income allocation. Commission volatility (ranging from £18,581 to £38,145 monthly) compounds the planning challenge, though your baseline salary absorption remains comfortable. The pension position at £175,039 is healthy and on trajectory. Systems nominal; recommend joint account audit as priority before next cycle.
Income vs Spending
Last 12 months
Spending by Category
Last 12 months
Account Balances
Top Spending Categories
True Cost of Living
Avg monthly spend · 12m
Avg Monthly Income
Joint account + cards · 12m
Last Month Income
Joint account + cards
Last Month Spend
Joint account + cards
Income vs Spending
Joint account + cards
Monthly Spend Trend
18 months
Spending by Category
Category Detail
Income Breakdown
Expense Breakdown
Click to drill down
Year-on-Year Comparison
Biggest Commission
Single payment · all time
Avg Commission
Per payment · all time
Total Holiday Spend
All years
Total Christmas Spend
All years
Commission by Quarter
Salary + commission from 2020
Holiday & Christmas Spend
By year from 2020
Total Net Worth
£614,625
Incl. house & pension
House Value
£400,000
Estimated
Pension
£175,039
V1 UK pension
Mortgage
£171,699
Outstanding balance
Other Liabilities
£1,896
Credit cards & loans
Cash & Savings
£72,741
Liquid cash holdings
Investments
£115,023
ISAs & portfolios
Net Worth Composition
Asset Breakdown
Cash & Savings
Investments & ISAs