System BL // JARVIS
Module Finance
Sync 21 Apr 2026
Liquid NW £179,174
Cash Flow · Net Worth · Capital Operations
Finance
LIVE · 21 Apr 2026
Overview
Cash Flow
Categories
Insights
Net Worth
Total Net Worth
£608,618
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
£51,149
Liquid cash holdings
Investments
£131,043
ISAs & portfolios
JARVIS · Daily Brief
Your household's financial structure presents a sharp divergence: your personal 39.5% savings rate is offsetting a joint account haemorrhaging at -82.6%, suggesting significant spousal spend or asset transfers that warrant closer examination. The liquid position of £179k against £171k mortgage debt leaves you comfortably above water, though your investment portfolio at £131k represents solid wealth-building beyond property equity. Commission volatility remains a material concern—your average of £18.5k swings substantially, and you'll want that cushion larger if a lean quarter arrives. The pension at £175k indicates discipline, but reconciling the joint account deficit should be the priority conversation, Sir. Systems nominal; liquidity adequate; portfolio rebalancing recommended 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
£608,618
Incl. house & pension
House Value
£400,000
Estimated
Pension
£175,039
V1 UK pension
Mortgage
£171,012
Outstanding balance
Other Liabilities
£3,017
Credit cards & loans
Cash & Savings
£51,149
Liquid cash holdings
Investments
£131,043
ISAs & portfolios
Net Worth Composition
Asset Breakdown
Cash & Savings
Investments & ISAs