Most people do not know. Two minutes and a handful of monthly numbers gives you the picture.
What lands in your bank account each month.
Rent, mortgage, and the recurring costs that come with a roof.
The recurring spend that keeps the household running.
Lifestyle spend. The bit most easily resized when goals change.
Minimum and committed monthly payments on outstanding balances.
Strong surplus. Most of the heavy lifting on long-term wealth comes from saving rate, not return.
Illustrative figures only. Cash flow is a snapshot of one month, not a full budget. For your specific situation, consult a qualified adviser.
Worth turns a single month of cash flow into a forward-looking plan. The bills that disappear, the buckets that compound, the next move at each stage. Join the waitlist.
A textbook target is twenty per cent or more of net income going to savings and debt payoff. Tech professionals with strong income should typically aim above thirty per cent in good months. A surplus below ten per cent is one bad month from trouble.
Pension contributions usually come out of gross salary before they hit your bank, so they are not a monthly cash flow expense. They are still savings. Use the Savings Rate calculator for the full picture that includes pension. Use this one for what actually moves through your account each month.
Annualise and divide by twelve. If you spend three thousand six hundred a year on holidays, that is three hundred a month. Doing this surfaces costs that are easy to forget when they only hit once or twice a year. The annual reckoning often reveals ten to twenty per cent more spending than people thought.
Use your typical month, not your bonus month. Bonuses are best treated as windfalls. Earmark them in advance for specific goals like debt, ISA top-up, or a holiday, rather than letting them disappear into general spending.