CONSIDERED FINANCIAL TOOLKIT

Financial Resilience Planner

Understand how long your money could last — and how today's decisions change that. This doesn't tell you what to do. It makes the consequences of "what if" visible: what if income stopped, rates rose, or you overpaid some debt instead of saving it.

✓ Everything runs and stays in your browser — nothing is sent to Considered or stored anywhere ✓ Models runway and liquidity, not just net worth ✓ No recommendations — shows what happens in a scenario, never what you "should" do

Resilience Planner v1.0 Added August 2026 Release notes

1. THE BASICS

A couple of assumptions before we start

These shape the projection further down — both are estimates you're free to change.

Investment growth assumptionAnnual, for accessible investments and any amount you choose to invest below. Not a forecast or a guarantee — markets can fall as well as rise. %/yr What's prompting this? (optional)Doesn't change any calculation — just for your own context.

2. YOUR ASSETS

What you have, and how accessible it is

Add as many as you need. Mark each as available for living costs or not — that distinction drives your runway below, not your net worth.

Add an asset

Category Namee.g. "Halifax savings", "Vanguard ISA" Value £

Available for living costs (counts toward runway)

3. YOUR INCOME

What comes in each month

Net (after tax) amounts are easier to work with here than gross.

Add an income source

Type Label (optional) Monthly net amount £

Reliability

Ends in (optional)Leave blank if ongoing — e.g. a redundancy notice period or fixed-term contract months from now

4. YOUR SPENDING

What goes out each month

Living costs only — debt payments are handled separately in the next step, so don't double them up here.

Monthly household living costsEverything except debt repayments — food, bills, transport, subscriptions, discretionary, everything £

5. YOUR DEBTS

What you owe

Add each mortgage, loan, credit card or other debt separately — the model handles rate changes and end dates for each individually.

Add a debt

Type Name Current balance £

Interest rate %/yr Monthly payment £ Remaining termUsed to recalculate the payment if the rate changes later years

Repayment type Fixed rate ends in (optional)Leave blank if you're already on a variable/tracker rate months

Assumed rate after the fix endsYour own guess is fine — used only for the projection and stress tests, editable any time %/yr

Ends in (optional)When the loan is due to be fully paid off, if known months from now

Promotional rate (if any) %/yr Promotional rate ends in months

Ends in (optional) months from now

YOUR RESULTS

Where you stand today

Updates immediately as you change anything above.

Financial runway—

Monthly position—Income minus living costs minus debt payments

Break-even income—

Accessible reserves—Assets marked available for living costs

Total debt—All balances combined

Net worth—Context, not the main measure — see runway above

How this was worked out

Monthly income£0

Monthly living costs−£0

Mortgage payment(s)−£0

Other debt payments−£0

Monthly surplus / shortfall£0

Approx. annual reserve drawdown£0

Accessible reserves over time

Projects cash + accessible investments over 10 years, applying known changes as they happen — mortgage fixed-rate expiry, credit card promo expiry, and loan end dates.

Cash + accessible investments Reserves reach zero

STRESS TESTING

What if things got harder?

Pick a scenario, or build your own. Compares against your baseline above — nothing here changes what you entered.

Custom scenario

Income changeNegative to reduce% Spending change% Investment value change%

Mortgage rate changeApplied from each mortgage's own reset datepts One-off emergency expense£

DECISION SIMULATOR

What if you did this instead?

Model a choice and see the trade-off — this doesn't recommend anything, it just shows before and after.

A note on how to read this

This is educational and informational only — it is not financial advice, and no output here is a recommendation.
All figures are estimates built from assumptions you can see and edit — not a forecast of what will actually happen.
Investment growth is never guaranteed. Markets can fall as well as rise, and a stress test with a negative return is just as valid an assumption as the default.
Pensions, LISAs and other assets you've marked as not available for living costs are excluded from runway on purpose — accessing them early often has real cost or isn't possible at all.
Nothing you enter is saved. Refreshing or closing this tab clears everything, since this version doesn't offer on-device saving yet.

How the calculations work

The planner runs a month-by-month simulation for 120 months (10 years) rather than a single annual formula. Each month: income is summed (variable income counted at your stated conservative percentage; any income with an "ends in" date drops out from that month on), living costs are subtracted, then each debt's payment for that specific month is calculated and subtracted.

Debt payments account for known changes at the month they actually happen, not just today's figures: a mortgage recalculates its payment using standard amortisation once its fixed rate ends, based on the remaining balance, remaining term and your assumed new rate; a credit card's interest rate reverts from its promotional rate to its stated rate at the promo's expiry month; a loan or other debt's payment simply stops at its stated end month. Interest-only mortgages accrue interest but don't reduce the balance from ordinary payments (an overpayment modelled in the decision simulator does reduce it).

Any monthly shortfall is drawn from accessible reserves — cash first, then accessible investments — and any monthly surplus is added to cash. Accessible investments grow monthly at your stated annual growth assumption (compounding, applied only to the accessible-investment portion, never to cash or to assets you've marked as unavailable). Restricted assets (pensions, LISAs, etc.) and property are tracked for net worth but never drawn down for runway, regardless of their value.

Financial runway is the point in this simulation where combined cash + accessible investments first reaches zero. If your monthly position is currently zero or positive, runway shows as "not currently drawing down reserves" rather than an infinite number, since reserves aren't being depleted at all. Break-even income is simply the additional monthly net income that would take today's monthly position to zero — it doesn't account for future rate or income changes, only today's snapshot.

Stress tests and the decision simulator each run the same simulation again on a modified copy of your plan and compare the two side by side — your original entries are never altered by applying a scenario.

Not modelled in this version: inflation, UK tax/National Insurance detail, mortgage porting or product-transfer fees, means-tested benefit changes, and multiple currencies. These are noted as deliberately out of scope for v1, not overlooked — see the version history for what's planned next.