System BL // JARVIS
Module Finance
Sync 13 May 2026
Liquid NW £179,279
Cash Flow · Net Worth · Capital Operations
Finance
LIVE · 13 May 2026
Overview
Cash Flow
Categories
Insights
Net Worth
Total Net Worth
£620,044
Incl. house & pension
Avg Monthly Income
£8,999
All accounts · last 12m
Avg Monthly Spend
£6,323
All accounts · last 12m
Joint Income
£1,854
Joint account · avg 12m
Joint Spend
£3,325
Joint account · avg 12m
Cash & Savings
£51,957
Liquid cash holdings
Investments
£131,089
ISAs & portfolios
JARVIS · Daily Brief
Your household presents a tale of two financial realities, Sir: your personal 29.7% savings rate is genuinely strong at nearly £2,700 monthly surplus, but this masks a critical structural problem—your joint finances show a -79.4% savings rate, meaning combined household spending exceeds combined income by roughly £1,500 each month. The joint account is systematically underwater, which will erode your liquid assets faster than your personal contributions can offset if this dynamic persists. On the positive side, your investment portfolio (£131,089) substantially exceeds your mortgage liability (£170,323), and your total net worth sits at £620,044—the pension (£187,484) forms a respectable foundation—but the joint spending pattern demands immediate attention. Systems nominal, but household cash flow architecture requires recalibration.
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
£620,044
Incl. house & pension
House Value
£400,000
Estimated
Pension
£187,484
V1 UK pension
Mortgage
£170,323
Outstanding balance
Other Liabilities
£3,767
Credit cards & loans
Cash & Savings
£51,957
Liquid cash holdings
Investments
£131,089
ISAs & portfolios
Net Worth Composition
Asset Breakdown
Cash & Savings
Investments & ISAs