System BL // JARVIS
Module Finance
Sync 5 May 2026
Liquid NW £179,279
Cash Flow · Net Worth · Capital Operations
Finance
LIVE · 5 May 2026
Overview
Cash Flow
Categories
Insights
Net Worth
Total Net Worth
£609,412
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 stark bifurcation: your personal savings rate of 29.7% is solid, but the joint account is hemorrhaging capital at 79.4% deficit—running through an extra £1,471 monthly—which will erode your liquid buffer of £179,279 within two years if uncorrected. The math improves when viewing total net worth (£609,412), where your investments (£131,089) comfortably exceed mortgage debt (£170,323), and your pension sits at a healthy £175,039. Commission volatility is material; your biggest payday (£38,145) nearly doubles the average (£18,581), so smoothing for lean months will be essential. Sir, the immediate pressure point is the joint account's structural deficit—that's not a spending problem, it's an income problem on that side of the ledger. Systems nominal: data current, no red flags on individual trajectory, joint account requires strategic review.
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
£609,412
Incl. house & pension
House Value
£400,000
Estimated
Pension
£175,039
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