HouseFi

●UK · 2026/27

Edit bill

Bill nameCategoryMonthly amount (£)Paid from

Changes are applied only after saving. Cancel discards your edits.

Add bill

Bill nameCategoryMonthly amount (£)Paid from

Add allocation

Changes are applied only on Save. Percentage allocations use the current personal allocation budget.

Allocation categoryAllocation nameCalculationAmount (£)Destination portfolio account (optional)

Add benefit or deduction

DescriptionTreatmentMonthly amount (£)

Add account or asset

Account nameAccount typeCurrent balance (£) Workplace / PAYE pension

Employee and employer contributions configured in Payroll will be projected into this pension account. Selecting another account moves the designation. Recorded balances remain manual.

Split transaction

Difference£0.00

Changing either amount automatically adjusts the other. The combined amounts must equal the original transaction exactly.

Forecast scenario

Scenario name

Starting point PortfolioForecast selected existing accounts and assets. CustomUse your own starting capital and contributions.

Select the accounts and assets to include. New scenarios start with no selections.

Existing investment-only calculations are preserved while the saved account types and planned funding remain unchanged. Changing the source mode or selecting other asset types converts this scenario to the current model.

Included accounts and assets

Include planned monthly contributions

Includes existing Money Allocation and PAYE pension funding for selected accounts.

Scenario category Starting capital (£) Monthly contribution (£) Annual cash interest (%)

Completely hypothetical. Uses no recorded portfolio balances, payroll or Money Allocations. One asset category per custom scenario.

Forecast duration (years) Additional monthly contribution (£) · scenario only

Extra contributions are shared across selected cash, investment and pension accounts using their existing planned funding proportions, or starting balances if no funding is linked.

Annual investment / pension return (%) Annual investment / pension contribution increase (%) Annual inflation (%)

Other asset-type assumptions

Annual cash interest (%) Investment / pension annual fees (%) Crypto annual appreciation / depreciation (%) Other assets annual appreciation / depreciation (%) Annual debt interest (%)

Existing account-specific funding settings

This scenario already uses advanced funding rules. They are retained when editing; new scenarios use portfolio-wide contributions without these controls.

Direct extra contribution to

Additional monthly debt repayment (£) Repay liability Repayment funded by cash account

Repayment transfers cash to reduce debt; it does not create wealth.

Redirect existing allocation Redirect contribution to account

Linked PAYE and Money Allocation funding is included once. The forecast does not change recorded balances.

Add personal payment account

Account nameAccount type

Private to your financial profile. Do not enter bank account or card numbers.

One-off bill

Bill nameAmount (£)

Financial profile

Previously saved as a single name. Confirm the first name and surname before saving.

First nameSurname

A financial profile is separate from a login account. Manage account links below the list.

Payment account

Account nameOwnerType

Record wealth snapshot

Review and verify each account balance before capturing the snapshot. Changes are saved together with the snapshot.

Create invitation

Generate a single-use invitation valid for 24 hours. Share the code securely with the intended member.

Invitation code

Edit savings goal

Goal name

Saved (£)Target (£)Extra monthly (£)Deadline

Monthly savings allocations (optional)

Planned monthly funding from Personal → Money Allocation. These are not portfolio account balances.

Emergency fund

Linked cash / savings accounts

Optional. Linked cash balances are the saved amount; manual savings are not added to them.

Months of cover

Essential bills

Add Goal

Goal nameGoal category

Link existing accounts and assets

Choose one or more holdings. Their recorded balances are used directly; no new assets are created.

Target amount (£)Target deadline

Additional monthly contribution (£)

Add Emergency Fund

Configure the essential bills covered by this fund before saving.

Goal nameMonths of coverRequired target (£)

Essential bills

These selections update the underlying personal and shared bills' essential classifications for the household. Cancel discards all changes. Shared bills count at their full monthly value.

Linked cash / savings accounts

Optional. Linked account balances determine the saved amount; manual savings are not added to them.

Saved manually (£)

Target deadline (optional)

Payroll configuration

Changes are saved only when you select Save. Cancel discards the draft.