sahara - AI generated so accuracy not guaranteed PROJ

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🗑️ Clear All Annual Changes?

This will reset all Annual Changes to 0 for:

Savings: Yearly changes to 0
Assets: Yearly changes to 0
Pensions: Withdrawal amounts to 0

Net Worth Chart

Asset Cash

Net Income Chart

Show accumulation running total

Sweep Chart

Asset Cash

Blue bars: net worth before Sweep Savings (Asset and Cash stacked). Green bars: net worth with Sweep Savings (Asset and Cash stacked).

Sweep Plot

Bars: the amount the sweep changed each year. Line: the sweep account's closing balance.

Accounts

Name	Actions

📭

No accounts yet. Add your first account to get started.

Account Name

One-off Income/Expenditure

Format:

	Name	Year	Amount	Type	Liquidity	Tax	NI	Actions

⭐

No one-off items yet.

Name

Comment

Account

Amount

Year

Type

Regular Income/Expenditure

Format:

	Name	Amount	Freq	From	To	Inc %	Type	Tax	NI	Actions

🔄

No regular items yet.

Spending by Category

Ignore All

Loading spend categories...

Mortgages/Loans

Format:

	Name	Lump Sum	Start Y	Monthly Pay	Payoff Y	Payoff Amt	Liquidity	Actions

💰

No mortgages/loans yet.

Simple Mortgage Model (No Early Repayments): Lump sum appears as negative asset on day 1 of start year. Fixed monthly payment in cash each month between start and payoff. Final payoff is a single lump sum in the payoff year. If borrowed in year 0, "Treat as Cash" checkbox—unchecked means already absorbed into net worth, checked adds it as tax-free cash.

Name

Account

Owner

Lump Sum Borrowed

Monthly Payment Annual: £0.00

Start Year

Final Payoff Year

Final Payoff Amount

Liquidity

Treat as Cash (Year 0 only - adds lump sum to cash flow)

Mortgage/Loan Balance Projection

All years Every 5 years

Year

Add a mortgage/loan to see projections

Savings Accounts

Format:

	Name	Opening Bal	%	Taxable	Start Y	Liquidity	Actions

🏦

No savings accounts yet.

Name

Account

Opening Balance

Interest Rate (%)

Liquidity

Start Year

Savings Growth Projection

All years Every 5 years

Year

Add a savings account to see projections

Assets

Format:

	Name	Purch Amt	Sale Yr	Rental	Actions

📈

No assets yet.

Name

Comment

Start Year

Asset Value

Historic Value (CGT)

Sale Year (blank = no sale)

Annual Growth %

Absolute Sale Value (if checked, enter realisation value below)

Rental Property

Calculated Realisation Value

Annual Dividend %

Asset Value Projections

All years Every 5 years

Year

Add an asset to see projections

Pension

Format:

	Name	Current Pot	Growth %	Start Year	Kill Year	Actions

🏦

No pension schemes yet.

Name

Account (optional)

Current Pot

Annual Growth (%)

Pension Pot Projections

All years Every 5 years

Year

Add a pension scheme to see projections

Rental Property

Format:

	Name	Start	End	Gr Inc	Fees	Costs	Prf ex	M Cost	Prf inc	Actions

🏠

No rental properties yet.

Basic Information

Name

Account (optional)

IMPORTANT:

Property resale and value is handled as an asset. Add property value growth in the Assets section.

Start Year

End Year (blank = ongoing)

Rental Income

Weekly Income

Void Weeks (per year)

Agent Fees (%)

Mortgage

Mortgage Owed

Monthly Mortgage Spend

Annual Costs

Insurance (year)

Repairs (year)

Certificates (year)

Council Tax (year)

Monthly Costs

Gas (month)

Electric (month)

Broadband (month)

Water (month)

Cleaning (month)

Other Monthly Costs

Other 1 (description)

Other 1 (month)

Other 2 (description)

Other 2 (month)

Other 3 (description)

Other 3 (month)

Other 4 (description)

Other 4 (month)

📋 Manage Projects

Click 👉 to select a Master or Scenario

👉Open/Load

➕Add Scenario

DDuplicate

D+SDup + Scenarios

📥Import CSV

⭐Promote to Master

⭐+Dupl as Promoted Master

SSave

S+SSave + Scenarios

✕Delete

Settings

Age

Start Year

Analysis Period (Years)

Begin Date Type

Analysis Start Date Type

Show Years As

Owner 1

Owner 2

Show Accounts

Decimal Places (0.00 format)

Enable Consolidated Items

Show Spend Detail

Show Sweep in Saved Items

Interest Rate (%)

Float

Sweep interest %

Taxable

Tax Rates

Enter tax band thresholds and corresponding tax rates

Band 1

Range Threshold (£)

Tax Rate (%)

Band 2

Range Threshold (£)

Tax Rate (%)

Band 3

Range Threshold (£)

Tax Rate (%)

Band 4

Range Threshold (£)

Tax Rate (%)

▶ How Tax Bands Work

Tax is calculated progressively based on your total income. Each band above represents the income threshold at which the corresponding tax rate applies to income above that threshold.

Example (UK): If you earn £60,000:

£0 - £12,570: 0% tax = £0
£12,571 - £50,270: 20% tax = £7,540
£50,271 - £60,000: 40% tax = £3,892
Total tax: £11,432 (effective rate: 19%)

▶ Personal Tax Allowance

Amount of income you can earn tax-free before tax bands apply

Annual Tax Allowance (£)

▶ Dividend Tax Bands

Tax on dividend income from shares and investments by tax band

Dividend Allowance (£)

Basic Rate (%)

Higher Rate (%)

Additional Rate (%)

▶ Savings Interest Tax

Tax on savings interest income by tax band

Savings Allowance (£)

Basic Rate (%)

Higher Rate (%)

▶ National Insurance

Employee and employer national insurance contributions

NI Threshold (£)

Employee NI Rate (%)

Higher Threshold (£)

Higher Rate NI (%)

Employer NI Threshold (£)

Employer NI Rate (%)

▶ Savings Tax Allowance

Tax-free savings interest allowance by tax band

Basic Rate Allowance (£)

Higher Rate Allowance (£)

Additional Rate Allowance (£)

▶ Capital Gains Tax (Property Sales)

Tax on profits from selling property and investments

Annual CGT Exemption (£)

Basic Rate CGT (%)

Higher Rate CGT (%)

Higher Rate Threshold (£)

Basic rate applies to gains within your basic-rate band, higher rate above

▶ Pension Tax Relief

Pension contributions attract tax relief based on your tax band

Basic Rate Relief (%)

Higher Rate Additional Relief (%)

Additional Rate Additional Relief (%)

Relief calculated from taxable pension contributions in annual changes. Higher and additional rate get relief on top of basic rate.

Income Breakdown

Rental Income Note: Rental income is displayed as profit AFTER all costs including mortgage payments. Tax is ALWAYS calculated on this net profit. Use the toggle to control whether "Total Taxable" shows profit AFTER mortgage (default) or BEFORE mortgage costs — choose BEFORE if your mortgage is recorded separately as a loan/liability to avoid double-counting.

Format:

All years Every 5 years

Calc rent inc w/o deduct mortg fees ?

View Owners Tax Breakdown Sweep Savings Account? ?

Year	Tax-Free Income	Regular/ One-off Income	Taxable Pension Income	Div Inc	Savings Interest	Rental Income	Assets	Total Taxable	Inc Tax	NI	S Tax	Div Tax	CGT	Tot Inc	Tot Ded	Pay Out	Net Income	Accum	Open Assets	Close Assets

Generate report to see income breakdown

Assets & Liabilities Breakdown

Year-by-year breakdown showing savings, assets, pensions, rentals, and liabilities (mortgages/loans as negatives)

Format:

All years Every 5 years

Calc rent inc w/o deduct mortg fees ?

Sweep Savings Account? ?

Year	Cash Liquid	Savings	Pensions	Rental Properties	Other Assets	Mortgages/ Loans	Net Worth

No data to display