System BL // JARVIS
Module Finance
Sync 12 May 2026
Liquid NW £179,279
Cash Flow · Net Worth · Capital Operations
Finance
LIVE · 12 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 study in divergent financial trajectories: while your personal savings rate sits comfortably at 29.7% on a £9,000 monthly income, the joint account is hemorrhaging at -79.4%, burning through £1,471 monthly despite £1,854 in combined deposits. The disparity suggests either discretionary spending concentrated in joint accounts or structural misalignment in how household expenses are divided—worth auditing, Sir. Your liquid position of £179,279 provides reasonable buffer against the £170,323 mortgage, though your investment stack (£131,089) remains modest relative to your pension holdings (£187,484) and earning potential; commission volatility (£38,145 peak versus £18,581 average) warrants deeper reserve planning. Systems nominal; income generation healthy, expense control fragmented.
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