{"text_format":"1","workbook":"xlsx","n_sheets":21,"sheets":["Start Here","Dashboard","Charts & Visuals","Life Events","_val_temp","Wrappers","Allocation","State Pension","Income Streams","Monthly Tracker","Projection","Monte Carlo","Scenarios","Care Costs","Market Data","Assumptions","Disclaimer","Children & Education","Home & Property","Insurance & Protection","Asset Register"],"not_rendered":{"charts":6,"images":0,"macros":1,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Start Here","index":0,"n_rows":47,"n_cols":5,"rows_kept":47,"cut":false,"hidden":false,"merged":[[0,1,0,4],[1,1,1,4],[3,1,3,4],[5,2,5,3],[6,2,6,3],[7,2,7,3],[8,2,8,3],[9,2,9,3],[10,2,10,3],[11,2,11,3],[12,1,12,4],[13,2,13,3],[14,2,14,3],[15,2,15,3],[17,1,17,4],[18,1,18,4],[20,2,20,3],[21,2,21,3],[22,2,22,3],[23,2,23,3],[24,2,24,3],[25,2,25,3],[26,2,26,3],[27,2,27,3],[28,2,28,3],[29,2,29,3],[30,2,30,3],[31,2,31,3],[32,2,32,3],[34,1,34,4],[36,2,36,3],[37,2,37,3],[38,2,38,3],[39,2,39,3],[40,2,40,3],[41,2,41,3],[42,2,42,3],[44,1,44,4],[45,2,45,4],[46,1,46,4]]}
[null,"PAYSLIP TO PAYBACK"]
[null,"UK Lifetime Financial Planner  ·  Tell us where you are today"]
[]
[null,"  SECTION 1 OF 4 — ABOUT YOU"]
[null,"Question","Your Answer",null,"Guidance"]
[null,"  Your full name (optional)",null,null,"e.g. Alex Smith  —  optional, used for personalisation only"]
[null,"  Date of birth",null,null,"Format: DD/MM/YYYY  e.g. 15/06/1980"]
[null,"  Target retirement age",65,null,"e.g. 65  —  must be between 40 and 80"]
[null,"  Life expectancy planning age",90,null,"Plan to age 90 or beyond. Better to over-plan."]
[null,"  Current employment status","Employed",null,"Select from dropdown"]
[null,"  Annual gross salary / income (£)",0,null,"Your personal gross annual earnings (before tax and NI). If retired, enter total pension income."]
[null,"  Planning as a couple?","No",null,"Select Yes to unlock partner fields below"]
[null,"  PARTNER DETAILS  —  complete the three rows below only if you answered Yes above"]
[null,"  Partner date of birth",null,null,"Leave blank if planning alone  ► unlocks when \"Planning as a couple?\" = Yes"]
[null,"  Partner employment status",null,null,"Leave blank if planning alone  ► unlocks when \"Planning as a couple?\" = Yes"]
[null,"  Partner annual gross income (£)",0,null,"Leave 0 if planning alone  ► unlocks when \"Planning as a couple?\" = Yes"]
[]
[null,"  SECTION 2 OF 4 — HOUSEHOLD FINANCES"]
[null,"  ℹ  Couple planning: pension and ISA values are split by person below (NI records are always personal). Housing and savings rows are household combined totals."]
[null,"Question","Your / Household Answer",null,"Guidance"]
[null,"  Housing situation","Renting",null,"Select from dropdown"]
[null,"  Outstanding mortgage balance  —  HOUSEHOLD (£)",0,null,"Combined household mortgage. Enter 0 if renting or mortgage-free."]
[null,"  Monthly mortgage / rent payment  —  HOUSEHOLD (£)",0,null,"Your household monthly housing cost"]
[null,"  Number of pension pots  —  HOUSEHOLD total",0,null,"Count all pots across both partners: workplace + personal"]
[null,"  Total pension pot value  —  YOU (£)",0,null,"All your DC/SIPP pots combined. Approximate is fine."]
[null,"  Total pension pot value  —  PARTNER (£)",0,null,"All partner DC/SIPP pots. Leave 0 if planning alone.  ► unlocks when \"Planning as a couple?\" = Yes"]
[null,"  Total ISA balance  —  YOU (£)",0,null,"All your ISAs: S&S ISA + Cash ISA + LISA combined"]
[null,"  Total ISA balance  —  PARTNER (£)",0,null,"All partner ISAs combined. Leave 0 if planning alone.  ► unlocks when \"Planning as a couple?\" = Yes"]
[null,"  Other savings / GIA / investments  —  HOUSEHOLD (£)",0,null,"Savings accounts, GIA, Premium Bonds, NS&I  —  combined household total"]
[null,"  NI qualifying years to date  —  YOU",0,null,"Check at gov.uk/check-national-insurance-record  —  max 35 for full SP"]
[null,"  NI qualifying years to date  —  PARTNER",0,null,"Partner NI record. Leave 0 if planning alone.  ► unlocks when \"Planning as a couple?\" = Yes"]
[null,"  Own buy-to-let properties?","No",null,"Select from dropdown"]
[null,"  Foreign currency assets or income?","No",null,"Select from dropdown"]
[]
[null,"  SECTION 3 OF 4 — LIFE STAGE & GOALS"]
[null,"Question","Your Answer",null,"Guidance"]
[null,"  Do you have children?","No",null,"Select from dropdown"]
[null,"  Number of children (current)",0,null,"Enter 0 if none yet"]
[null,"  Expecting an inheritance?","No",null,"Select from dropdown"]
[null,"  Target monthly income in retirement (£)",3500,null,"In today's money. A common guide: 70–80% of current take-home pay."]
[null,"  Investment risk appetite","Balanced",null,"Select from dropdown  —  drives the Allocation sheet target %s"]
[null,"  Private health insurance?","No",null,"Select from dropdown"]
[null,"  Life / critical illness cover?","No",null,"Select from dropdown"]
[]
[null,"  SECTION 4 OF 4 — YOUR LIFE CHAPTER"]
[null,"  Life Chapter (auto-detected from your date of birth)","Ch.1 (22–35): Early Accumulation  |  Ch.2 (35–50): Growth & Complexity  |  Ch.3 (50–65): Pre-Retirement  |  Ch.4 (65–80): Active Retirement  |  Ch.5 (80+): Later Life"]
[null,"  ▶  Complete this sheet, then visit the Dashboard to see your plan activated  —  5 minutes is all it takes"]

{"sheet":"Dashboard","index":1,"n_rows":28,"n_cols":7,"rows_kept":28,"cut":false,"hidden":false,"merged":[[0,1,0,6],[1,1,1,6],[3,1,3,3],[3,4,3,6],[5,1,5,6],[6,1,6,2],[6,3,6,4],[7,1,7,2],[7,3,7,4],[9,1,9,6],[10,1,10,2],[10,3,10,4],[11,1,11,2],[11,3,11,4],[12,1,12,2],[12,3,12,4],[13,1,13,2],[13,3,13,4],[14,1,14,2],[14,3,14,4],[15,1,15,2],[15,3,15,4],[23,1,23,6],[24,1,24,6],[26,1,26,6],[17,1,17,6],[18,1,18,6],[20,1,20,6],[21,1,21,6],[22,1,22,6]]}
[null,"PAYSLIP TO PAYBACK  ·  Your Lifetime Financial Plan"]
[null,"Updated monthly  ·  All figures in today's money  ·  Not financial advice"]
[]
[null,"Life Chapter: Enter your date of birth on Start Here to activate",null,null,"Set up your profile on the Start Here sheet →"]
[]
[null,"  KEY NUMBERS AT A GLANCE"]
[null,"Target Income /mth",null,"Projected Income /mth"]
[null,"Set target on Start Here",null,"Run projection to activate"]
[]
[null,"  COMPETING GOALS"]
[null,"Goal",null,"Status",null,"Next Milestone","Priority"]
[null,"  State Pension (NI Record)",null,"Check NI record on State Pension sheet",null,"State Pension sheet","Essential"]
[null,"  Pension pot contributions",null,"Enter values on Wrappers sheet",null,"Wrappers sheet","High"]
[null,"  Home ownership goal",null,"Set housing status on Start Here",null,"Home & Property sheet","Medium"]
[null,"  Children / education costs",null,"Set on Start Here if applicable",null,"Children sheet","Medium"]
[null,"  Foreign assets / FX",null,"Register currencies on Market Data",null,"Market Data sheet","Low"]
[]
[null,"  NEXT RECOMMENDED ACTION"]
[null,"Step 1: Complete the Start Here sheet (5 minutes). Step 2: Enter pension values on the Wrappers sheet. Step 3: Set your target monthly retirement income. Step 4: Log your first monthly update. Step 5: Run your projection."]
[]
[null,"  ALERTS & WARNINGS (auto-generated when data is entered)"]
[null,"  NI GAPS: Enter your NI qualifying years on Start Here to check for gap-fill opportunities"]
[null,"  HIGH INCOME CHILD BENEFIT CHARGE: Will calculate once salary and children data is entered"]
[null,"  AI TAX PARAMETERS: Will flag if AI-suggested parameters are active on Assumptions sheet"]
[null,"  LISA ELIGIBILITY: Will flag if your target property is above the £450,000 LISA cap"]
[]
[null,"  QUICK NAVIGATION"]
[null,"Start Here","Life Events","Wrappers","State Pension","Monthly Tracker","Projection"]

{"sheet":"Charts & Visuals","index":2,"n_rows":688,"n_cols":21,"rows_kept":688,"cut":false,"hidden":false,"merged":[[55,2,55,9],[55,10,55,17],[74,2,74,17],[0,2,0,17],[1,2,1,17],[3,2,3,17],[21,2,21,17],[37,2,37,9],[37,10,37,17]]}
[null,null,"CHARTS & VISUALS  ·  Your Plan at a Glance"]
[null,null,"Charts update automatically as you enter data across the workbook  ·  All values in today’s money  ·  Not financial advice"]
[]
[null,null,"  ▶  LIFETIME PROJECTION  —  Portfolio value year by year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Workplace DC",{"$f":"Wrappers!C6","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SIPP",{"$f":"Wrappers!C7","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&S ISA",{"$f":"Wrappers!C8","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cash ISA",{"$f":"Wrappers!C9","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LISA",{"$f":"Wrappers!C10","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"JISA 1",{"$f":"Wrappers!C11","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"JISA 2",{"$f":"Wrappers!C12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GIA",{"$f":"Wrappers!C13","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Asset Class","Target %"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Global Eq",{"$f":"Allocation!F10","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"UK Eq",{"$f":"Allocation!F11","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gilts",{"$f":"Allocation!F12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IL Gilts",{"$f":"Allocation!F13","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Corp Bonds",{"$f":"Allocation!F14","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property",{"$f":"Allocation!F15","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cash",{"$f":"Allocation!F16","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Alts",{"$f":"Allocation!F17","v":0}]
[null,null,"  ▶  MONTHLY PORTFOLIO TRACKER  —  Actual values logged each month",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Age","Portfolio","Income"]
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[null,null,"  ▶  WRAPPER BALANCES",null,null,null,null,null,null,null,"  ▶  ASSET ALLOCATION TARGET",null,null,null,null,null,null,null,{"$f":"IF(Projection!B21=\"\",37,Projection!B21)","v":{"$error":"#VALUE!"}},{"$f":"IF(Projection!J21=\"\",0,Projection!J21)","v":0},{"$f":"IF(Projection!K21=\"\",0,Projection!K21)","v":11973}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D592=\"\",\"\",'Monthly Tracker'!B592&\" \"&'Monthly Tracker'!C592)","v":""},{"$f":"IF('Monthly Tracker'!D592=\"\",0,'Monthly Tracker'!D592)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D593=\"\",\"\",'Monthly Tracker'!B593&\" \"&'Monthly Tracker'!C593)","v":""},{"$f":"IF('Monthly Tracker'!D593=\"\",0,'Monthly Tracker'!D593)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D594=\"\",\"\",'Monthly Tracker'!B594&\" \"&'Monthly Tracker'!C594)","v":""},{"$f":"IF('Monthly Tracker'!D594=\"\",0,'Monthly Tracker'!D594)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D595=\"\",\"\",'Monthly Tracker'!B595&\" \"&'Monthly Tracker'!C595)","v":""},{"$f":"IF('Monthly Tracker'!D595=\"\",0,'Monthly Tracker'!D595)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D596=\"\",\"\",'Monthly Tracker'!B596&\" \"&'Monthly Tracker'!C596)","v":""},{"$f":"IF('Monthly Tracker'!D596=\"\",0,'Monthly Tracker'!D596)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D597=\"\",\"\",'Monthly Tracker'!B597&\" \"&'Monthly Tracker'!C597)","v":""},{"$f":"IF('Monthly Tracker'!D597=\"\",0,'Monthly Tracker'!D597)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D598=\"\",\"\",'Monthly Tracker'!B598&\" \"&'Monthly Tracker'!C598)","v":""},{"$f":"IF('Monthly Tracker'!D598=\"\",0,'Monthly Tracker'!D598)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D599=\"\",\"\",'Monthly Tracker'!B599&\" \"&'Monthly Tracker'!C599)","v":""},{"$f":"IF('Monthly Tracker'!D599=\"\",0,'Monthly Tracker'!D599)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D600=\"\",\"\",'Monthly Tracker'!B600&\" \"&'Monthly Tracker'!C600)","v":""},{"$f":"IF('Monthly Tracker'!D600=\"\",0,'Monthly Tracker'!D600)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D601=\"\",\"\",'Monthly Tracker'!B601&\" \"&'Monthly Tracker'!C601)","v":""},{"$f":"IF('Monthly Tracker'!D601=\"\",0,'Monthly Tracker'!D601)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D602=\"\",\"\",'Monthly Tracker'!B602&\" \"&'Monthly Tracker'!C602)","v":""},{"$f":"IF('Monthly Tracker'!D602=\"\",0,'Monthly Tracker'!D602)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D603=\"\",\"\",'Monthly Tracker'!B603&\" \"&'Monthly Tracker'!C603)","v":""},{"$f":"IF('Monthly Tracker'!D603=\"\",0,'Monthly Tracker'!D603)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D604=\"\",\"\",'Monthly Tracker'!B604&\" \"&'Monthly Tracker'!C604)","v":""},{"$f":"IF('Monthly Tracker'!D604=\"\",0,'Monthly Tracker'!D604)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D605=\"\",\"\",'Monthly Tracker'!B605&\" \"&'Monthly Tracker'!C605)","v":""},{"$f":"IF('Monthly Tracker'!D605=\"\",0,'Monthly Tracker'!D605)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Monthly Tracker'!D606=\"\",\"\",'Monthly Tracker'!B606&\" \"&'Monthly Tracker'!C606)","v":""},{"$f":"IF('Monthly Tracker'!D606=\"\",0,'Monthly Tracker'!D606)","v":0}]

{"sheet":"Life Events","index":3,"n_rows":58,"n_cols":6,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,1,0,5],[1,1,1,5],[3,1,3,5],[57,1,57,5]]}
[null,"LIFE EVENTS — Your Financial Biography"]
[null,"Log every significant event  ·  Your permanent financial record"]
[]
[null,"Enter events chronologically. Category dropdown: use to classify each event. Financial Impact: positive = windfall/income, negative = expense. This log is your permanent financial biography — valuable for advisers and surviving partners."]
[]
[null,"Date","Category","Description / Notes","Financial Impact (£)","Projection Updated?"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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[null,"50 event rows provided. VBA macro AddLifeEvent() inserts additional rows when needed. Events logged here create a permanent, readable financial biography of your life."]

{"sheet":"_val_temp","index":4,"n_rows":32,"n_cols":1,"rows_kept":32,"cut":false,"hidden":true,"merged":[]}
["Relationship - Marriage/Partnership"]
["Relationship - Separation/Divorce"]
["Bereavement - Partner"]
["Bereavement - Other"]
["Employment - New Job"]
["Employment - Promotion"]
["Employment - Redundancy"]
["Employment - Career Break"]
["Employment - Return to Work"]
["Employment - Retirement"]
["Property - First Home Purchase"]
["Property - Remortgage"]
["Property - BTL Acquired"]
["Property - BTL Sold"]
["Property - Downsized"]
["Pension - New Pot"]
["Pension - Consolidation"]
["Pension - MPAA Triggered"]
["Pension - Started Drawing"]
["Children - Born"]
["Children - Childcare Started"]
["Children - School Started"]
["Children - University Started"]
["Children - Independent"]
["Inheritance - Received Onshore"]
["Inheritance - Received Offshore"]
["Inheritance - Expected"]
["Windfall - Other"]
["Legislative - Tax Change"]
["Legislative - Pension Rule Change"]
["Health - Significant Diagnosis"]
["Other"]

{"sheet":"Wrappers","index":5,"n_rows":50,"n_cols":7,"rows_kept":50,"cut":false,"hidden":false,"merged":[[0,1,0,6],[1,1,1,6],[3,1,3,6],[15,1,15,6],[17,3,17,6],[18,3,18,6],[19,3,19,6],[20,1,20,6],[21,3,21,6],[22,3,22,6],[23,3,23,6],[24,1,24,6],[25,3,25,6],[26,1,26,6],[27,3,27,6],[28,1,28,6],[29,3,29,6],[30,3,30,6],[31,3,31,6],[32,3,32,6],[46,1,46,6],[47,1,47,6],[48,1,48,6],[49,1,49,6],[34,1,34,6],[36,1,36,6],[43,1,43,6],[44,1,44,6],[45,1,45,6]]}
[null,"WRAPPERS — Tax Wrapper Inventory & Contributions"]
[null,"Every tax-advantaged account  ·  Carry forward  ·  Contribution optimisation"]
[]
[null,"  WRAPPER REGISTRY — Current Balances & Contributions"]
[null,"Wrapper","Balance (£)","Annual Contrib (£)","Employer Match (£)","Proj. Value at Ret. (£)","Notes"]
[null,"  Workplace DC Pension",0,0,0,0,"Enter current value from pension provider statement"]
[null,"  SIPP (Personal Pension)",0,0,0,0]
[null,"  Stocks & Shares ISA",0,0,0,0]
[null,"  Cash ISA",0,0,0,0]
[null,"  Lifetime ISA (LISA)",0,0,0,0,"25% govt bonus on up to £4,000/yr. Max property £450k"]
[null,"  Junior ISA — Child 1",0,0,0,0,"JISA limit £9,000/yr"]
[null,"  Junior ISA — Child 2",0,0,0,0,"Add if applicable"]
[null,"  General Investment Account",0,0,0,0,"No wrapper — dividends and CGT apply"]
[null,"TOTAL BALANCE",{"$f":"SUM(C6:C13)","v":0},"TOTAL CONTRIBUTIONS",{"$f":"SUM(D6:D13)+SUM(E6:E13)","v":0}]
[]
[null,"  PENSION ANNUAL ALLOWANCE CHECK 2025/26"]
[null,"Item","Value","Notes"]
[null,"  Gross salary / UK earnings (£)",{"$f":"'Start Here'!C11","v":0},"Linked from Start Here — enter salary there"]
[null,"  Employer pension contributions (£)",{"$f":"SUM(E6:E13)","v":0},"Total employer match from registry above"]
[null,"  Personal pension contributions (£)",{"$f":"SUM(D6:D13)","v":0},"Total personal contributions from registry above"]
[null,"  ▶  TAPER CALCULATION  —  applies when threshold income >£200,000 AND adjusted income >£260,000"]
[null,"  Threshold income (salary + employer contribs)",{"$f":"C18+C19","v":0},"Taper starts triggering when this exceeds £200,000"]
[null,"  Adjusted income (threshold + personal contribs)",{"$f":"C22+C20","v":0},"Taper fully active when this exceeds £260,000"]
[null,"  Tapered Annual Allowance (£)",{"$f":"MAX(10000,MIN(60000,60000-MAX(0,C23-260000)/2))","v":60000},"Reduces £1 per £2 above £260k adjusted income. Floor: £10,000. No taper below £260k."]
[null,"  ▶  EARNINGS CAP  —  tax relief only available up to 100% of UK earnings"]
[null,"  Earnings-based contribution limit (£)",{"$f":"MAX(3600,C18)","v":3600},"Tax relief capped at 100% of UK earnings. Minimum £3,600 gross even with zero earnings (HMRC concession — net £2,880 you pay, HMRC tops up £720)."]
[null,"  ▶  MONEY PURCHASE ANNUAL ALLOWANCE  —  triggered by flexibly accessing a pension"]
[null,"  MPAA triggered? (Yes/No)","No","Set to Yes if you have taken any flexible drawdown, UFPLS, or flexi-access payment from a DC pension"]
[null,"  ▶  YOUR EFFECTIVE ANNUAL ALLOWANCE  —  lowest of taper, earnings cap, and MPAA"]
[null,"  YOUR EFFECTIVE ANNUAL ALLOWANCE (£)",{"$f":"IF(C28=\"Yes\",MIN(10000,MIN(C24,C26)),MIN(C24,C26))","v":3600},"This is the maximum you can contribute with tax relief this year. Contributions above this trigger an Annual Allowance Charge."]
[null,"  Total contributions this year (£)",{"$f":"C19+C20","v":0},"Personal + employer contributions combined"]
[null,"  Remaining allowance (£)",{"$f":"C30-C31","v":3600},"Positive = headroom remaining. Negative = charge applies."]
[null,"  Status",{"$f":"IF(C31>C30,\"EXCEEDED - Annual Allowance Charge applies\",IF(C32<5000,\"CLOSE TO LIMIT - review contributions\",\"Within allowance\"))","v":"CLOSE TO LIMIT - review contributions"},"Exceeded = tax charge on excess. Close = within £5,000 of limit. Status colour does not auto-change — check value manually."]
[]
[null,"TAPER DETAIL: Only applies if BOTH threshold income >£200,000 AND adjusted income >£260,000. If only one threshold is breached, the full £60,000 AA applies. MPAA DETAIL: Once triggered by flexible access it cannot be reversed. It applies to money purchase (DC) contributions only — defined benefit accrual uses a separate test. EARNINGS CAP: The £3,600 gross floor applies even with zero earnings, but only if you have UK-relevant earnings in any amount OR a UK-registered pension scheme is involved. Seek advice for non-earner contributions."]
[]
[null,"  PENSION CARRY FORWARD — Unused Allowances (3 Prior Years)"]
[null,"Tax Year","Annual Allowance (£)","Contributions Made (£)","Unused (£)","Carry Forward Available"]
[null,"2022/23",60000,0,{"$f":"IF(D39=0,C39,MAX(0,C39-D39))","v":60000},{"$f":"IF(E39>0,\"Yes - available\",\"None\")","v":"Yes - available"}]
[null,"2023/24",60000,0,{"$f":"IF(D40=0,C40,MAX(0,C40-D40))","v":60000},{"$f":"IF(E40>0,\"Yes - available\",\"None\")","v":"Yes - available"}]
[null,"2024/25",60000,0,{"$f":"IF(D41=0,C41,MAX(0,C41-D41))","v":60000},{"$f":"IF(E41>0,\"Yes - available\",\"None\")","v":"Yes - available"}]
[null,"Total carry forward available",null,null,{"$f":"SUM(E39:E41)","v":180000}]
[]
[null,"  CONTRIBUTION OPTIMISATION — Priority Order"]
[null,"  1  Capture full employer match on workplace pension — 100% immediate return"]
[null,"  2  LISA up to £4,000/yr if eligible (under 40, first home or retirement)"]
[null,"  3  Salary sacrifice pension to recover higher-rate tax relief"]
[null,"  4  ISA allowance £20,000/yr — flexible, fully tax-free"]
[null,"  5  Additional pension contributions beyond employer match"]
[null,"  6  GIA — no tax wrapper, but still better than cash drag"]

{"sheet":"Allocation","index":6,"n_rows":29,"n_cols":7,"rows_kept":29,"cut":false,"hidden":false,"merged":[[0,1,0,6],[1,1,1,6],[3,1,3,6],[7,1,7,6],[19,1,19,6]]}
[null,"ALLOCATION — Asset Allocation & Glide Path"]
[null,"Target allocations by risk profile  ·  Rebalancing alerts  ·  Current vs target"]
[]
[null,"  RISK PROFILE (set on Start Here sheet)"]
[null,"  Your selected risk profile","(links to Start Here answer)"]
[null,"  Years to retirement","(calculated from DOB and target age)"]
[]
[null,"  TARGET ALLOCATION BY PROFILE"]
[null,"Asset Class","Cautious","Balanced","Adventurous","Your Target %","Notes"]
[null,"  Global Equities","20%","45%","65%",null,"Infrastructure / long-term growth"]
[null,"  UK Equities","5%","10%","15%",null,"Home-market bias (optional)"]
[null,"  UK Gilts","30%","15%","5%",null,"Capital preservation / low correlation"]
[null,"  Index-Linked Gilts","15%","10%","5%",null,"Real inflation protection"]
[null,"  Corporate Bonds","15%","10%","5%",null,"Income with credit risk"]
[null,"  Property (REITs)","5%","5%","5%",null,"Diversification, pension-suitable"]
[null,"  Cash","10%","3%","0%",null,"Liquidity buffer — 1-2yr expenses"]
[null,"  Alternatives","0%","2%","5%",null,"Infrastructure, commodities, hedge"]
[null,"TOTAL",null,null,null,{"$f":"SUM(F10:F17)","v":0}]
[]
[null,"  CURRENT HOLDINGS vs TARGET — Rebalancing Check"]
[null,"Asset Class","Current Value (£)","Current Weight %","Target Weight %","Drift %","Action"]
[null,"  Global Equities",0,{"$f":"IFERROR(C22/SUM(C22:C29),0)","v":0},{"$f":"IF(F10=\"\",0,F10)","v":0},{"$f":"D22-E22","v":0},{"$f":"IF(ABS(F22)>0.05,IF(F22>0,\"Reduce - over target\",\"Increase - under target\"),\"Within tolerance\")","v":"Within tolerance"}]
[null,"  UK Equities",0,{"$f":"IFERROR(C23/SUM(C22:C29),0)","v":0},0,0,"Within tolerance"]
[null,"  UK Gilts",0,{"$f":"IFERROR(C24/SUM(C22:C29),0)","v":0},0,0,"Within tolerance"]
[null,"  Index-Linked Gilts",0,{"$f":"IFERROR(C25/SUM(C22:C29),0)","v":0},0,0,"Within tolerance"]
[null,"  Corporate Bonds",0,{"$f":"IFERROR(C26/SUM(C22:C29),0)","v":0},0,0,"Within tolerance"]
[null,"  Property (REITs)",0,{"$f":"IFERROR(C27/SUM(C22:C29),0)","v":0},0,0,"Within tolerance"]
[null,"  Cash",0,{"$f":"IFERROR(C28/SUM(C22:C29),0)","v":0},0,0,"Within tolerance"]
[null,"  Alternatives",0,{"$f":"IFERROR(C29/SUM(C22:C29),0)","v":0},0,0,"Within tolerance"]

{"sheet":"State Pension","index":7,"n_rows":26,"n_cols":5,"rows_kept":26,"cut":false,"hidden":false,"merged":[[25,1,25,4],[0,1,0,4],[1,1,1,4],[3,1,3,4],[10,1,10,4],[17,1,17,4]]}
[null,"STATE PENSION — NI Record & Forecast"]
[null,"Full New State Pension  ·  NI gap ROI  ·  Deferral analysis"]
[]
[null,"  NI RECORD"]
[null,"Item","Your Value","Required","Status"]
[null,"  NI qualifying years to date",0,35,"Enter value from gov.uk/check-national-insurance-record"]
[null,"  Target qualifying years for full pension",35,35,"From Assumptions sheet"]
[null,"  Gap years to fill",{"$f":"MAX(0,C6-C5)","v":{"$error":"#VALUE!"}},null,"Calculated"]
[null,"  Years to State Pension Age (est.)",0,0,"Enter manually or see note below"]
[]
[null,"  STATE PENSION FORECAST 2025/26"]
[null,"Scenario","Weekly (£)","Annual (£)","Notes"]
[null,"  Full New State Pension",230.25,{"$f":"C13*52","v":11973},"35 qualifying years — 2025/26 rate"]
[null,"  Your projected entitlement",{"$f":"230.25*(MIN(C5+C8,35)/35)","v":{"$error":"#VALUE!"}},{"$f":"C14*52","v":{"$error":"#VALUE!"}},"Based on your NI record"]
[null,"  With deferral (1 year)",{"$f":"C14*(1+0.058)","v":{"$error":"#VALUE!"}},{"$f":"C15*52","v":{"$error":"#VALUE!"}},"5.8% uplift per year deferred"]
[null,"  With deferral (3 years)",{"$f":"C14*(1+0.058)^3","v":{"$error":"#VALUE!"}},{"$f":"C16*52","v":{"$error":"#VALUE!"}},"Breakeven ~10yrs post-SPA typically"]
[]
[null,"  NI GAP FILL ROI CALCULATOR"]
[null,"Item","Value",null,"Notes"]
[null,"  Gap years to fill",0,null,"Enter number of gap years"]
[null,"  Cost to fill gaps (£)",{"$f":"C20*17.45*52","v":0},null,"Class 3 rate 2025/26: £17.45/wk"]
[null,"  Additional annual State Pension (£)",{"$f":"C20*(11973/35)","v":0},null,"Additional pension per gap year filled"]
[null,"  Payback period",{"$f":"IFERROR(C21/C22,0)","v":0},null,"Years to recoup the cost"]
[null,"  20-year lifetime return (£)",{"$f":"C22*20-C21","v":0},null,"Net return over 20 retirement years"]
[]
[null,"Class 3 NI voluntary contributions for 2025/26: £17.45/week = £907.40/year per gap year. Each gap year filled adds approximately 1/35th of the full State Pension (£342/yr). ROI is typically 400-900% over a lifetime. Check eligibility and deadlines at gov.uk."]

{"sheet":"Income Streams","index":8,"n_rows":31,"n_cols":7,"rows_kept":31,"cut":false,"hidden":false,"merged":[[0,1,0,6],[1,1,1,6],[3,1,3,6],[23,1,23,6],[24,1,24,6],[30,1,30,6],[25,1,25,6],[26,1,26,6],[27,1,27,6],[28,1,28,6],[29,1,29,6]]}
[null,"INCOME STREAMS — All Retirement Income Sources"]
[null,"Every source  ·  Drawdown sequencing  ·  Tax optimisation"]
[]
[null,"  RETIREMENT INCOME REGISTRY"]
[null,"Income Source","Annual Amount (£)","Currency","Start Age","Taxable?","Notes"]
[null,"  UK State Pension",11973,"GBP",66,"Yes","Triple lock. 2025/26: £230.25/wk"]
[null,"  Workplace DC Pension — Drawdown",0,"GBP",0,"75% taxable","25% TFC. Remainder taxed as income"]
[null,"  SIPP — Drawdown",0,"GBP",0,"75% taxable","As workplace pension"]
[null,"  Stocks & Shares ISA",0,"GBP",0,"No","Fully tax-free withdrawal"]
[null,"  Cash ISA",0,"GBP",0,"No","Fully tax-free"]
[null,"  Lifetime ISA",0,"GBP",60,"No","Accessible from age 60 without penalty"]
[null,"  BTL Rental Income (net)",0,"GBP",0,"Yes","Net of mortgage, expenses, allowable costs"]
[null,"  Foreign Pension",0,null,0,"Treaty-dep.","Seek specialist advice on treaty relief"]
[null,"  Foreign Rental Income",0,null,0,"Yes","Enter GBP equivalent"]
[null,"  Annuity",0,"GBP",0,"Yes","Guaranteed — no sequence of returns risk"]
[null,"  Equity Release",0,"GBP",0,"No","Tax-free lump sum or drawdown"]
[null,"  Part-time / Bridge income",0,"GBP",0,"Yes","Pre-full-retirement bridge"]
[null,"  Other Income",0,"GBP",0]
[null,"TOTAL ANNUAL RETIREMENT INCOME",{"$f":"SUM(C6:C18)","v":11973}]
[null,"Total monthly income (£)",{"$f":"C19/12","v":997.75}]
[null,"Target monthly income (£)","(from Start Here)"]
[null,"Monthly gap / surplus (£)","(C20 - target — links once Start Here is complete)"]
[]
[null,"  DRAWDOWN SEQUENCING PRIORITY"]
[null,"  1  State Pension — draw from State Pension Age (guaranteed, triple locked)"]
[null,"  2  Guaranteed income — annuity, any defined benefit"]
[null,"  3  ISA withdrawals — tax-free, use to top up to target without tax cost"]
[null,"  4  Pension drawdown up to Basic Rate threshold — maximise tax-free band"]
[null,"  5  GIA — use annual CGT and dividend allowances (Bed & ISA strategy)"]
[null,"  6  Additional pension above threshold — higher tax but fills remaining gap"]
[null,"  7  Equity release — last resort, preserves estate value during lifetime"]

{"sheet":"Monthly Tracker","index":9,"n_rows":660,"n_cols":13,"rows_kept":660,"cut":false,"hidden":false,"merged":[[0,1,0,12],[1,1,1,12],[3,1,3,12],[608,1,608,12]]}
[null,"MONTHLY TRACKER — Portfolio & Cash Flow Log"]
[null,"Log actual values monthly  ·  5-minute ritual  ·  One-off income & expenses tracked  ·  Flows into projection automatically"]
[]
[null,"HOW TO USE: Each month enter your total portfolio value (col D). Enter any ONE-OFF INCOME received (col J: bonus, rental payment, inheritance, tax refund, windfall). Enter any ONE-OFF EXPENSE paid (col K: school fees, tax bill, property repair, legal fees). Col L calculates the net. These values flow directly into the Projection Engine year totals. Regular monthly contributions go on the Wrappers sheet, not here."]
[]
[null,"Month","Year","Portfolio Total (£)","MoM Change (£)","MoM Change %","YTD Change (£)","Cumul. Contribs (£)","Signal","ONE-OFF INCOME (£)","ONE-OFF EXPENSE (£)","One-Off Net (£)","Description / Notes"]
[null,"Jan",2026,null,null,null,null,null,null,null,null,{"$f":"IF(AND(J7=\"\",K7=\"\"),\"\",IF(J7=\"\",0,J7)-IF(K7=\"\",0,K7))","v":""}]
[null,"Feb",2026,null,{"$f":"IF(OR(D8=\"\",D7=\"\"),\"\",D8-D7)","v":""},{"$f":"IFERROR(IF(OR(D8=\"\",D7=\"\",D7=0),\"\",(D8-D7)/D7),\"\")","v":""},{"$f":"IF(OR(D8=\"\",D7=\"\"),\"\",D8-D7)","v":""},null,null,null,null,""]
[null,"Mar",2026,null,"","",{"$f":"IF(OR(D9=\"\",D7=\"\"),\"\",D9-D7)","v":""},null,null,null,null,""]
[null,"Apr",2026,null,"","",{"$f":"IF(OR(D10=\"\",D7=\"\"),\"\",D10-D7)","v":""},null,null,null,null,""]
[null,"May",2026,null,"","",{"$f":"IF(OR(D11=\"\",D7=\"\"),\"\",D11-D7)","v":""},null,null,null,null,""]
[null,"Jun",2026,null,"","",{"$f":"IF(OR(D12=\"\",D7=\"\"),\"\",D12-D7)","v":""},null,null,null,null,""]
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[null,"Aug",2065,null,"","",{"$f":"IF(OR(D482=\"\",D475=\"\"),\"\",D482-D475)","v":""},null,null,null,null,""]
[null,"Sep",2065,null,"","",{"$f":"IF(OR(D483=\"\",D475=\"\"),\"\",D483-D475)","v":""},null,null,null,null,""]
[null,"Oct",2065,null,"","",{"$f":"IF(OR(D484=\"\",D475=\"\"),\"\",D484-D475)","v":""},null,null,null,null,""]
[null,"Nov",2065,null,"","",{"$f":"IF(OR(D485=\"\",D475=\"\"),\"\",D485-D475)","v":""},null,null,null,null,""]
[null,"Dec",2065,null,"","",{"$f":"IF(OR(D486=\"\",D475=\"\"),\"\",D486-D475)","v":""},null,null,null,null,""]
[null,"Jan",2066,null,"","",null,null,null,null,null,""]
[null,"Feb",2066,null,"","",{"$f":"IF(OR(D488=\"\",D487=\"\"),\"\",D488-D487)","v":""},null,null,null,null,""]
[null,"Mar",2066,null,"","",{"$f":"IF(OR(D489=\"\",D487=\"\"),\"\",D489-D487)","v":""},null,null,null,null,""]
[null,"Apr",2066,null,"","",{"$f":"IF(OR(D490=\"\",D487=\"\"),\"\",D490-D487)","v":""},null,null,null,null,""]
[null,"May",2066,null,"","",{"$f":"IF(OR(D491=\"\",D487=\"\"),\"\",D491-D487)","v":""},null,null,null,null,""]
[null,"Jun",2066,null,"","",{"$f":"IF(OR(D492=\"\",D487=\"\"),\"\",D492-D487)","v":""},null,null,null,null,""]
[null,"Jul",2066,null,"","",{"$f":"IF(OR(D493=\"\",D487=\"\"),\"\",D493-D487)","v":""},null,null,null,null,""]
[null,"Aug",2066,null,"","",{"$f":"IF(OR(D494=\"\",D487=\"\"),\"\",D494-D487)","v":""},null,null,null,null,""]
[null,"Sep",2066,null,"","",{"$f":"IF(OR(D495=\"\",D487=\"\"),\"\",D495-D487)","v":""},null,null,null,null,""]
[null,"Oct",2066,null,"","",{"$f":"IF(OR(D496=\"\",D487=\"\"),\"\",D496-D487)","v":""},null,null,null,null,""]
[null,"Nov",2066,null,"","",{"$f":"IF(OR(D497=\"\",D487=\"\"),\"\",D497-D487)","v":""},null,null,null,null,""]
[null,"Dec",2066,null,"","",{"$f":"IF(OR(D498=\"\",D487=\"\"),\"\",D498-D487)","v":""},null,null,null,null,""]
[null,"Jan",2067,null,"","",null,null,null,null,null,""]
[null,"Feb",2067,null,"","",{"$f":"IF(OR(D500=\"\",D499=\"\"),\"\",D500-D499)","v":""},null,null,null,null,""]
[null,"Mar",2067,null,"","",{"$f":"IF(OR(D501=\"\",D499=\"\"),\"\",D501-D499)","v":""},null,null,null,null,""]
[null,"Apr",2067,null,"","",{"$f":"IF(OR(D502=\"\",D499=\"\"),\"\",D502-D499)","v":""},null,null,null,null,""]
[null,"May",2067,null,"","",{"$f":"IF(OR(D503=\"\",D499=\"\"),\"\",D503-D499)","v":""},null,null,null,null,""]
[null,"Jun",2067,null,"","",{"$f":"IF(OR(D504=\"\",D499=\"\"),\"\",D504-D499)","v":""},null,null,null,null,""]
[null,"Jul",2067,null,"","",{"$f":"IF(OR(D505=\"\",D499=\"\"),\"\",D505-D499)","v":""},null,null,null,null,""]
[null,"Aug",2067,null,"","",{"$f":"IF(OR(D506=\"\",D499=\"\"),\"\",D506-D499)","v":""},null,null,null,null,""]
[null,"Sep",2067,null,"","",{"$f":"IF(OR(D507=\"\",D499=\"\"),\"\",D507-D499)","v":""},null,null,null,null,""]
[null,"Oct",2067,null,"","",{"$f":"IF(OR(D508=\"\",D499=\"\"),\"\",D508-D499)","v":""},null,null,null,null,""]
[null,"Nov",2067,null,"","",{"$f":"IF(OR(D509=\"\",D499=\"\"),\"\",D509-D499)","v":""},null,null,null,null,""]
[null,"Dec",2067,null,"","",{"$f":"IF(OR(D510=\"\",D499=\"\"),\"\",D510-D499)","v":""},null,null,null,null,""]
[null,"Jan",2068,null,"","",null,null,null,null,null,""]
[null,"Feb",2068,null,"","",{"$f":"IF(OR(D512=\"\",D511=\"\"),\"\",D512-D511)","v":""},null,null,null,null,""]
[null,"Mar",2068,null,"","",{"$f":"IF(OR(D513=\"\",D511=\"\"),\"\",D513-D511)","v":""},null,null,null,null,""]
[null,"Apr",2068,null,"","",{"$f":"IF(OR(D514=\"\",D511=\"\"),\"\",D514-D511)","v":""},null,null,null,null,""]
[null,"May",2068,null,"","",{"$f":"IF(OR(D515=\"\",D511=\"\"),\"\",D515-D511)","v":""},null,null,null,null,""]
[null,"Jun",2068,null,"","",{"$f":"IF(OR(D516=\"\",D511=\"\"),\"\",D516-D511)","v":""},null,null,null,null,""]
[null,"Jul",2068,null,"","",{"$f":"IF(OR(D517=\"\",D511=\"\"),\"\",D517-D511)","v":""},null,null,null,null,""]
[null,"Aug",2068,null,"","",{"$f":"IF(OR(D518=\"\",D511=\"\"),\"\",D518-D511)","v":""},null,null,null,null,""]
[null,"Sep",2068,null,"","",{"$f":"IF(OR(D519=\"\",D511=\"\"),\"\",D519-D511)","v":""},null,null,null,null,{"$f":"IF(AND(J519=\"\",K519=\"\"),\"\",IF(J519=\"\",0,J519)-IF(K519=\"\",0,K519))","v":""}]
[null,"Oct",2068,null,{"$f":"IF(OR(D520=\"\",D519=\"\"),\"\",D520-D519)","v":""},{"$f":"IFERROR(IF(OR(D520=\"\",D519=\"\",D519=0),\"\",(D520-D519)/D519),\"\")","v":""},{"$f":"IF(OR(D520=\"\",D511=\"\"),\"\",D520-D511)","v":""},null,null,null,null,""]
[null,"Nov",2068,null,"","",{"$f":"IF(OR(D521=\"\",D511=\"\"),\"\",D521-D511)","v":""},null,null,null,null,""]
[null,"Dec",2068,null,"","",{"$f":"IF(OR(D522=\"\",D511=\"\"),\"\",D522-D511)","v":""},null,null,null,null,""]
[null,"Jan",2069,null,"","",null,null,null,null,null,""]
[null,"Feb",2069,null,"","",{"$f":"IF(OR(D524=\"\",D523=\"\"),\"\",D524-D523)","v":""},null,null,null,null,""]
[null,"Mar",2069,null,"","",{"$f":"IF(OR(D525=\"\",D523=\"\"),\"\",D525-D523)","v":""},null,null,null,null,""]
[null,"Apr",2069,null,"","",{"$f":"IF(OR(D526=\"\",D523=\"\"),\"\",D526-D523)","v":""},null,null,null,null,""]
[null,"May",2069,null,"","",{"$f":"IF(OR(D527=\"\",D523=\"\"),\"\",D527-D523)","v":""},null,null,null,null,""]
[null,"Jun",2069,null,"","",{"$f":"IF(OR(D528=\"\",D523=\"\"),\"\",D528-D523)","v":""},null,null,null,null,""]
[null,"Jul",2069,null,"","",{"$f":"IF(OR(D529=\"\",D523=\"\"),\"\",D529-D523)","v":""},null,null,null,null,""]
[null,"Aug",2069,null,"","",{"$f":"IF(OR(D530=\"\",D523=\"\"),\"\",D530-D523)","v":""},null,null,null,null,""]
[null,"Sep",2069,null,"","",{"$f":"IF(OR(D531=\"\",D523=\"\"),\"\",D531-D523)","v":""},null,null,null,null,""]
[null,"Oct",2069,null,"","",{"$f":"IF(OR(D532=\"\",D523=\"\"),\"\",D532-D523)","v":""},null,null,null,null,""]
[null,"Nov",2069,null,"","",{"$f":"IF(OR(D533=\"\",D523=\"\"),\"\",D533-D523)","v":""},null,null,null,null,""]
[null,"Dec",2069,null,"","",{"$f":"IF(OR(D534=\"\",D523=\"\"),\"\",D534-D523)","v":""},null,null,null,null,""]
[null,"Jan",2070,null,"","",null,null,null,null,null,""]
[null,"Feb",2070,null,"","",{"$f":"IF(OR(D536=\"\",D535=\"\"),\"\",D536-D535)","v":""},null,null,null,null,""]
[null,"Mar",2070,null,"","",{"$f":"IF(OR(D537=\"\",D535=\"\"),\"\",D537-D535)","v":""},null,null,null,null,""]
[null,"Apr",2070,null,"","",{"$f":"IF(OR(D538=\"\",D535=\"\"),\"\",D538-D535)","v":""},null,null,null,null,""]
[null,"May",2070,null,"","",{"$f":"IF(OR(D539=\"\",D535=\"\"),\"\",D539-D535)","v":""},null,null,null,null,""]
[null,"Jun",2070,null,"","",{"$f":"IF(OR(D540=\"\",D535=\"\"),\"\",D540-D535)","v":""},null,null,null,null,""]
[null,"Jul",2070,null,"","",{"$f":"IF(OR(D541=\"\",D535=\"\"),\"\",D541-D535)","v":""},null,null,null,null,""]
[null,"Aug",2070,null,"","",{"$f":"IF(OR(D542=\"\",D535=\"\"),\"\",D542-D535)","v":""},null,null,null,null,""]
[null,"Sep",2070,null,"","",{"$f":"IF(OR(D543=\"\",D535=\"\"),\"\",D543-D535)","v":""},null,null,null,null,""]
[null,"Oct",2070,null,"","",{"$f":"IF(OR(D544=\"\",D535=\"\"),\"\",D544-D535)","v":""},null,null,null,null,""]
[null,"Nov",2070,null,"","",{"$f":"IF(OR(D545=\"\",D535=\"\"),\"\",D545-D535)","v":""},null,null,null,null,""]
[null,"Dec",2070,null,"","",{"$f":"IF(OR(D546=\"\",D535=\"\"),\"\",D546-D535)","v":""},null,null,null,null,""]
[null,"Jan",2071,null,"","",null,null,null,null,null,""]
[null,"Feb",2071,null,"","",{"$f":"IF(OR(D548=\"\",D547=\"\"),\"\",D548-D547)","v":""},null,null,null,null,""]
[null,"Mar",2071,null,"","",{"$f":"IF(OR(D549=\"\",D547=\"\"),\"\",D549-D547)","v":""},null,null,null,null,""]
[null,"Apr",2071,null,"","",{"$f":"IF(OR(D550=\"\",D547=\"\"),\"\",D550-D547)","v":""},null,null,null,null,""]
[null,"May",2071,null,"","",{"$f":"IF(OR(D551=\"\",D547=\"\"),\"\",D551-D547)","v":""},null,null,null,null,""]
[null,"Jun",2071,null,"","",{"$f":"IF(OR(D552=\"\",D547=\"\"),\"\",D552-D547)","v":""},null,null,null,null,""]
[null,"Jul",2071,null,"","",{"$f":"IF(OR(D553=\"\",D547=\"\"),\"\",D553-D547)","v":""},null,null,null,null,""]
[null,"Aug",2071,null,"","",{"$f":"IF(OR(D554=\"\",D547=\"\"),\"\",D554-D547)","v":""},null,null,null,null,""]
[null,"Sep",2071,null,"","",{"$f":"IF(OR(D555=\"\",D547=\"\"),\"\",D555-D547)","v":""},null,null,null,null,""]
[null,"Oct",2071,null,"","",{"$f":"IF(OR(D556=\"\",D547=\"\"),\"\",D556-D547)","v":""},null,null,null,null,""]
[null,"Nov",2071,null,"","",{"$f":"IF(OR(D557=\"\",D547=\"\"),\"\",D557-D547)","v":""},null,null,null,null,""]
[null,"Dec",2071,null,"","",{"$f":"IF(OR(D558=\"\",D547=\"\"),\"\",D558-D547)","v":""},null,null,null,null,""]
[null,"Jan",2072,null,"","",null,null,null,null,null,""]
[null,"Feb",2072,null,"","",{"$f":"IF(OR(D560=\"\",D559=\"\"),\"\",D560-D559)","v":""},null,null,null,null,""]
[null,"Mar",2072,null,"","",{"$f":"IF(OR(D561=\"\",D559=\"\"),\"\",D561-D559)","v":""},null,null,null,null,""]
[null,"Apr",2072,null,"","",{"$f":"IF(OR(D562=\"\",D559=\"\"),\"\",D562-D559)","v":""},null,null,null,null,""]
[null,"May",2072,null,"","",{"$f":"IF(OR(D563=\"\",D559=\"\"),\"\",D563-D559)","v":""},null,null,null,null,""]
[null,"Jun",2072,null,"","",{"$f":"IF(OR(D564=\"\",D559=\"\"),\"\",D564-D559)","v":""},null,null,null,null,""]
[null,"Jul",2072,null,"","",{"$f":"IF(OR(D565=\"\",D559=\"\"),\"\",D565-D559)","v":""},null,null,null,null,""]
[null,"Aug",2072,null,"","",{"$f":"IF(OR(D566=\"\",D559=\"\"),\"\",D566-D559)","v":""},null,null,null,null,""]
[null,"Sep",2072,null,"","",{"$f":"IF(OR(D567=\"\",D559=\"\"),\"\",D567-D559)","v":""},null,null,null,null,""]
[null,"Oct",2072,null,"","",{"$f":"IF(OR(D568=\"\",D559=\"\"),\"\",D568-D559)","v":""},null,null,null,null,""]
[null,"Nov",2072,null,"","",{"$f":"IF(OR(D569=\"\",D559=\"\"),\"\",D569-D559)","v":""},null,null,null,null,""]
[null,"Dec",2072,null,"","",{"$f":"IF(OR(D570=\"\",D559=\"\"),\"\",D570-D559)","v":""},null,null,null,null,""]
[null,"Jan",2073,null,"","",null,null,null,null,null,""]
[null,"Feb",2073,null,"","",{"$f":"IF(OR(D572=\"\",D571=\"\"),\"\",D572-D571)","v":""},null,null,null,null,""]
[null,"Mar",2073,null,"","",{"$f":"IF(OR(D573=\"\",D571=\"\"),\"\",D573-D571)","v":""},null,null,null,null,""]
[null,"Apr",2073,null,"","",{"$f":"IF(OR(D574=\"\",D571=\"\"),\"\",D574-D571)","v":""},null,null,null,null,""]
[null,"May",2073,null,"","",{"$f":"IF(OR(D575=\"\",D571=\"\"),\"\",D575-D571)","v":""},null,null,null,null,""]
[null,"Jun",2073,null,"","",{"$f":"IF(OR(D576=\"\",D571=\"\"),\"\",D576-D571)","v":""},null,null,null,null,""]
[null,"Jul",2073,null,"","",{"$f":"IF(OR(D577=\"\",D571=\"\"),\"\",D577-D571)","v":""},null,null,null,null,""]
[null,"Aug",2073,null,"","",{"$f":"IF(OR(D578=\"\",D571=\"\"),\"\",D578-D571)","v":""},null,null,null,null,""]
[null,"Sep",2073,null,"","",{"$f":"IF(OR(D579=\"\",D571=\"\"),\"\",D579-D571)","v":""},null,null,null,null,""]
[null,"Oct",2073,null,"","",{"$f":"IF(OR(D580=\"\",D571=\"\"),\"\",D580-D571)","v":""},null,null,null,null,""]
[null,"Nov",2073,null,"","",{"$f":"IF(OR(D581=\"\",D571=\"\"),\"\",D581-D571)","v":""},null,null,null,null,""]
[null,"Dec",2073,null,"","",{"$f":"IF(OR(D582=\"\",D571=\"\"),\"\",D582-D571)","v":""},null,null,null,null,""]
[null,"Jan",2074,null,"","",null,null,null,null,null,{"$f":"IF(AND(J583=\"\",K583=\"\"),\"\",IF(J583=\"\",0,J583)-IF(K583=\"\",0,K583))","v":""}]
[null,"Feb",2074,null,{"$f":"IF(OR(D584=\"\",D583=\"\"),\"\",D584-D583)","v":""},{"$f":"IFERROR(IF(OR(D584=\"\",D583=\"\",D583=0),\"\",(D584-D583)/D583),\"\")","v":""},{"$f":"IF(OR(D584=\"\",D583=\"\"),\"\",D584-D583)","v":""},null,null,null,null,""]
[null,"Mar",2074,null,"","",{"$f":"IF(OR(D585=\"\",D583=\"\"),\"\",D585-D583)","v":""},null,null,null,null,""]
[null,"Apr",2074,null,"","",{"$f":"IF(OR(D586=\"\",D583=\"\"),\"\",D586-D583)","v":""},null,null,null,null,""]
[null,"May",2074,null,"","",{"$f":"IF(OR(D587=\"\",D583=\"\"),\"\",D587-D583)","v":""},null,null,null,null,""]
[null,"Jun",2074,null,"","",{"$f":"IF(OR(D588=\"\",D583=\"\"),\"\",D588-D583)","v":""},null,null,null,null,""]
[null,"Jul",2074,null,"","",{"$f":"IF(OR(D589=\"\",D583=\"\"),\"\",D589-D583)","v":""},null,null,null,null,""]
[null,"Aug",2074,null,"","",{"$f":"IF(OR(D590=\"\",D583=\"\"),\"\",D590-D583)","v":""},null,null,null,null,""]
[null,"Sep",2074,null,"","",{"$f":"IF(OR(D591=\"\",D583=\"\"),\"\",D591-D583)","v":""},null,null,null,null,""]
[null,"Oct",2074,null,"","",{"$f":"IF(OR(D592=\"\",D583=\"\"),\"\",D592-D583)","v":""},null,null,null,null,""]
[null,"Nov",2074,null,"","",{"$f":"IF(OR(D593=\"\",D583=\"\"),\"\",D593-D583)","v":""},null,null,null,null,""]
[null,"Dec",2074,null,"","",{"$f":"IF(OR(D594=\"\",D583=\"\"),\"\",D594-D583)","v":""},null,null,null,null,""]
[null,"Jan",2075,null,"","",null,null,null,null,null,""]
[null,"Feb",2075,null,"","",{"$f":"IF(OR(D596=\"\",D595=\"\"),\"\",D596-D595)","v":""},null,null,null,null,""]
[null,"Mar",2075,null,"","",{"$f":"IF(OR(D597=\"\",D595=\"\"),\"\",D597-D595)","v":""},null,null,null,null,""]
[null,"Apr",2075,null,"","",{"$f":"IF(OR(D598=\"\",D595=\"\"),\"\",D598-D595)","v":""},null,null,null,null,""]
[null,"May",2075,null,"","",{"$f":"IF(OR(D599=\"\",D595=\"\"),\"\",D599-D595)","v":""},null,null,null,null,""]
[null,"Jun",2075,null,"","",{"$f":"IF(OR(D600=\"\",D595=\"\"),\"\",D600-D595)","v":""},null,null,null,null,""]
[null,"Jul",2075,null,"","",{"$f":"IF(OR(D601=\"\",D595=\"\"),\"\",D601-D595)","v":""},null,null,null,null,""]
[null,"Aug",2075,null,"","",{"$f":"IF(OR(D602=\"\",D595=\"\"),\"\",D602-D595)","v":""},null,null,null,null,""]
[null,"Sep",2075,null,"","",{"$f":"IF(OR(D603=\"\",D595=\"\"),\"\",D603-D595)","v":""},null,null,null,null,""]
[null,"Oct",2075,null,"","",{"$f":"IF(OR(D604=\"\",D595=\"\"),\"\",D604-D595)","v":""},null,null,null,null,""]
[null,"Nov",2075,null,"","",{"$f":"IF(OR(D605=\"\",D595=\"\"),\"\",D605-D595)","v":""},null,null,null,null,""]
[null,"Dec",2075,null,"","",{"$f":"IF(OR(D606=\"\",D595=\"\"),\"\",D606-D595)","v":""},null,null,null,null,""]
[]
[]
[null,"  ANNUAL SUMMARIES  —  rows past your retirement year are automatically greyed"]
[null,"Year",null,"Year-End Portfolio (£)",null,"Annual Return %",null,"One-Off Income (£)",null,"One-Off Expenses (£)",null,"Net One-Off (£)"]
[null,2026,null,{"$f":"IFERROR(LOOKUP(2,1/(D7:D18<>\"\"),D7:D18),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J7:J18),0)","v":0},null,{"$f":"IFERROR(SUM(K7:K18),0)","v":0},null,{"$f":"H611-J611","v":0}]
[null,2027,null,{"$f":"IFERROR(LOOKUP(2,1/(D19:D30<>\"\"),D19:D30),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J19:J30),0)","v":0},null,{"$f":"IFERROR(SUM(K19:K30),0)","v":0},null,0]
[null,2028,null,{"$f":"IFERROR(LOOKUP(2,1/(D31:D42<>\"\"),D31:D42),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J31:J42),0)","v":0},null,{"$f":"IFERROR(SUM(K31:K42),0)","v":0},null,0]
[null,2029,null,{"$f":"IFERROR(LOOKUP(2,1/(D43:D54<>\"\"),D43:D54),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J43:J54),0)","v":0},null,{"$f":"IFERROR(SUM(K43:K54),0)","v":0},null,0]
[null,2030,null,{"$f":"IFERROR(LOOKUP(2,1/(D55:D66<>\"\"),D55:D66),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J55:J66),0)","v":0},null,{"$f":"IFERROR(SUM(K55:K66),0)","v":0},null,0]
[null,2031,null,{"$f":"IFERROR(LOOKUP(2,1/(D67:D78<>\"\"),D67:D78),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J67:J78),0)","v":0},null,{"$f":"IFERROR(SUM(K67:K78),0)","v":0},null,0]
[null,2032,null,{"$f":"IFERROR(LOOKUP(2,1/(D79:D90<>\"\"),D79:D90),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J79:J90),0)","v":0},null,{"$f":"IFERROR(SUM(K79:K90),0)","v":0},null,0]
[null,2033,null,{"$f":"IFERROR(LOOKUP(2,1/(D91:D102<>\"\"),D91:D102),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J91:J102),0)","v":0},null,{"$f":"IFERROR(SUM(K91:K102),0)","v":0},null,0]
[null,2034,null,{"$f":"IFERROR(LOOKUP(2,1/(D103:D114<>\"\"),D103:D114),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J103:J114),0)","v":0},null,{"$f":"IFERROR(SUM(K103:K114),0)","v":0},null,0]
[null,2035,null,{"$f":"IFERROR(LOOKUP(2,1/(D115:D126<>\"\"),D115:D126),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J115:J126),0)","v":0},null,{"$f":"IFERROR(SUM(K115:K126),0)","v":0},null,0]
[null,2036,null,{"$f":"IFERROR(LOOKUP(2,1/(D127:D138<>\"\"),D127:D138),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J127:J138),0)","v":0},null,{"$f":"IFERROR(SUM(K127:K138),0)","v":0},null,0]
[null,2037,null,{"$f":"IFERROR(LOOKUP(2,1/(D139:D150<>\"\"),D139:D150),\"\")","v":""},null,null,null,{"$f":"IFERROR(SUM(J139:J150),0)","v":0},null,{"$f":"IFERROR(SUM(K139:K150),0)","v":0},null,0]
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{"sheet":"Projection","index":10,"n_rows":77,"n_cols":12,"rows_kept":77,"cut":false,"hidden":false,"merged":[[0,1,0,11],[1,1,1,11],[2,1,2,11],[71,1,71,11],[73,1,73,4],[73,5,73,11],[74,1,74,4],[74,5,74,11],[75,1,75,4],[75,5,75,11],[76,1,76,4],[76,5,76,11]]}
[null,"PROJECTION ENGINE — Year-by-Year Lifetime Forecast"]
[null,"Read only  ·  Auto-calculated  ·  Accumulation to retirement  ·  Decumulation through life expectancy"]
[null,"Enter your Date of Birth and Target Retirement Age on Start Here to activate this projection. One-off income and expenses are pulled from the Monthly Tracker sheet annually."]
[]
[null,"Age","Year","Phase","Salary (£)","Pension Contrib (£)","Child Costs (£)","One-Off Income (£)","One-Off Expense (£)","Portfolio Value (£)","Annual Income (£)","Tax Estimate (£)"]
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[null,{"$error":"#VALUE!"},2032,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C12,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C12,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
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[null,{"$error":"#VALUE!"},2048,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C28,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C28,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2049,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C29,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C29,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
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[null,{"$error":"#VALUE!"},2055,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C35,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C35,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2056,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C36,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C36,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2057,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C37,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C37,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2058,"Accumulation",0,{"$f":"IFERROR(E38*0.08,0)","v":0},0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C38,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C38,'Monthly Tracker'!K7:K606),0)","v":0},0,{"$f":"IFERROR(E38+11973,0)","v":11973},{"$f":"IFERROR(MAX(0,MIN(K38,50270)-12570)*0.2+MAX(0,K38-50270)*0.4,0)","v":0}]
[null,{"$f":"B38+1","v":{"$error":"#VALUE!"}},2059,"Accumulation",{"$f":"IFERROR(E38*1.03,0)","v":0},0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C39,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C39,'Monthly Tracker'!K7:K606),0)","v":0},{"$f":"IFERROR(J38*1.065+F39+H39-I39,0)","v":0},11973,0]
[null,{"$error":"#VALUE!"},2060,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C40,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C40,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2061,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C41,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C41,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2062,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C42,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C42,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2063,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C43,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C43,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2064,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C44,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C44,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2065,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C45,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C45,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2066,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C46,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C46,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2067,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C47,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C47,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2068,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C48,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C48,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2069,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C49,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C49,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2070,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C50,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C50,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2071,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C51,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C51,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2072,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C52,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C52,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2073,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C53,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C53,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2074,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C54,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C54,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2075,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C55,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C55,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2076,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C56,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C56,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2077,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C57,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C57,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2078,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C58,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C58,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2079,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C59,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C59,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2080,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C60,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C60,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2081,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C61,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C61,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2082,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C62,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C62,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2083,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C63,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C63,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2084,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C64,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C64,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2085,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C65,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C65,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2086,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C66,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C66,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2087,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C67,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C67,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2088,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C68,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C68,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2089,"Accumulation",0,0,0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C69,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C69,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,0]
[null,{"$error":"#VALUE!"},2090,"Accumulation",0,{"$f":"IFERROR(E70*0.08,0)","v":0},0,{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C70,'Monthly Tracker'!J7:J606),0)","v":0},{"$f":"IFERROR(SUMIF('Monthly Tracker'!C7:C606,C70,'Monthly Tracker'!K7:K606),0)","v":0},0,11973,{"$f":"IFERROR(MAX(0,MIN(K70,50270)-12570)*0.2+MAX(0,K70-50270)*0.4,0)","v":0}]
[]
[null,"  SUMMARY METRICS"]
[null,"Metric",null,"Value"]
[null,"  Starting portfolio (from Start Here)",null,null,null,"(link to Start Here total)"]
[null,"  Projected portfolio at retirement",null,null,null,"(activate by entering DOB and target age)"]
[null,"  Projected monthly retirement income",null,null,null,"(from Income Streams sheet)"]
[null,"  Portfolio exhausted at age",null,null,null,"(Monte Carlo simulation required)"]

{"sheet":"Monte Carlo","index":11,"n_rows":26,"n_cols":4,"rows_kept":26,"cut":false,"hidden":false,"merged":[[0,1,0,4],[1,1,1,4],[3,1,3,4],[14,1,14,4],[16,2,16,4],[22,2,22,4],[23,2,23,4],[25,1,25,4],[17,2,17,4],[18,2,18,4],[19,2,19,4],[20,2,20,4],[21,2,21,4]]}
[null,"MONTE CARLO — Probability of Success"]
[null,"1,000 simulations  ·  Run via VBA macro  ·  Results are advisory"]
[]
[null,"  SIMULATION PARAMETERS"]
[null,"Parameter","Value","Source"]
[null,"  Equity return assumption","6.5%","S13 Assumptions"]
[null,"  Equity standard deviation","15.0%","S13 Assumptions"]
[null,"  Bond return assumption","3.0%","S13 Assumptions"]
[null,"  Bond standard deviation","6.0%","S13 Assumptions"]
[null,"  Inflation assumption","2.5%","S13 Assumptions"]
[null,"  Inflation standard deviation","1.5%","S13 Assumptions"]
[null,"  Number of simulations",1000,"Fixed"]
[null,"  Include care costs","Yes","User choice"]
[]
[null,"  SIMULATION RESULTS (populated by VBA RunMonteCarlo() macro)"]
[null,"Metric","Result"]
[null,"  Probability portfolio lasts to age 85","Run simulation to activate (VBA macro RunMonteCarlo())"]
[null,"  Probability portfolio lasts to age 90","Run simulation to activate (VBA macro RunMonteCarlo())"]
[null,"  Probability portfolio lasts to age 95","Run simulation to activate (VBA macro RunMonteCarlo())"]
[null,"  Probability portfolio lasts to age 100","Run simulation to activate (VBA macro RunMonteCarlo())"]
[null,"  10th percentile outcome at retirement (£)","Run simulation to activate (VBA macro RunMonteCarlo())"]
[null,"  50th percentile (median) outcome (£)","Run simulation to activate (VBA macro RunMonteCarlo())"]
[null,"  90th percentile outcome (£)","Run simulation to activate (VBA macro RunMonteCarlo())"]
[null,"  Sequence of returns risk score","Run simulation to activate (VBA macro RunMonteCarlo())"]
[]
[null,"METHODOLOGY: 1,000 year-by-year simulations with randomised equity returns, inflation, and life expectancy. Each run tracks whether the portfolio remains solvent. Probability of success = solvent runs / 1,000. Execute via the RunMonteCarlo() VBA macro (import PayslipToPayback_VBA_Module.bas via Alt+F11)."]

{"sheet":"Scenarios","index":12,"n_rows":18,"n_cols":6,"rows_kept":18,"cut":false,"hidden":false,"merged":[[0,1,0,5],[1,1,1,5],[12,1,12,5]]}
[null,"SCENARIOS — Parallel Planning"]
[null,"Base  ·  Optimistic  ·  Conservative  ·  Stress Test"]
[]
[null,"Assumption","Base","Optimistic","Conservative","Stress Test"]
[null,"  Investment return","6.5%","7.5%","5.5%","3.5%"]
[null,"  Inflation","2.5%","2.0%","3.5%","4.5%"]
[null,"  Retirement age","As set","2 yrs earlier","2 yrs later","3 yrs later"]
[null,"  Inheritance","No","Full value","50% / 5yr late","No"]
[null,"  Care costs","No","No","Yes","Yes — 3 yrs"]
[null,"  Market crash yr 3","No","No","No","Yes — 30% loss"]
[null,"  Divorce event","No","No","No","Yes — assets halved"]
[]
[null,"  PROJECTED OUTCOMES BY SCENARIO"]
[null,"Metric","Base","Optimistic","Conservative","Stress Test"]
[null,"  Projected monthly income (£)","Build projection to activate","Build projection to activate","Build projection to activate","Build projection to activate"]
[null,"  vs Target income","Build projection to activate","Build projection to activate","Build projection to activate","Build projection to activate"]
[null,"  Portfolio lasts to age","Build projection to activate","Build projection to activate","Build projection to activate","Build projection to activate"]
[null,"  Monte Carlo success rate","Build projection to activate","Build projection to activate","Build projection to activate","Build projection to activate"]

{"sheet":"Care Costs","index":13,"n_rows":18,"n_cols":5,"rows_kept":18,"cut":false,"hidden":false,"merged":[[0,1,0,4],[1,1,1,4],[3,1,3,4],[10,1,10,4]]}
[null,"CARE COSTS — Later Life Planning"]
[null,"Residential and home care  ·  Reserve target  ·  LA means test"]
[]
[null,"  CARE COST BENCHMARKS 2025/26 (LaingBuisson)"]
[null,"Care Type","Annual Cost (£)",null,"Source"]
[null,"  Residential care (average UK)",50400,null,"LaingBuisson Care Homes UK Market 2025/26"]
[null,"  Home care (average UK)",25000,null,"LaingBuisson Homecare Market 2025/26"]
[null,"  Healthcare CPI assumption","3.5%",null,"Historical healthcare inflation"]
[null,"  LA means test asset threshold (£)",23250,null,"Care Act 2014"]
[]
[null,"  YOUR CARE COST PLAN"]
[null,"Item","Your Estimate",null,"Notes"]
[null,"  Care type preference",null,null,"Residential / Home care / Unknown"]
[null,"  Expected care start age",82,null,"e.g. 82"]
[null,"  Expected care duration (years)",3,null,"e.g. 3 years"]
[null,"  Years from now to care start",{"$f":"MAX(0,C13-(2026-1960))","v":0},null,"Approx from typical age 66"]
[null,"  Total future liability (nominal, £)",{"$f":"50400*1.035^C15*C14","v":4582109.2337999996}]
[null,"  Present value reserve needed today (£)",{"$f":"IFERROR(C16/1.065^C15,0)","v":0},null,"Amount to set aside now"]

{"sheet":"Market Data","index":14,"n_rows":43,"n_cols":6,"rows_kept":43,"cut":false,"hidden":false,"merged":[[0,1,0,5],[1,1,1,5],[4,1,4,5],[6,1,6,5],[7,2,7,5],[8,2,8,5],[9,2,9,5],[10,2,10,5],[11,2,11,5],[12,2,12,4],[27,2,27,5],[29,1,29,5],[40,1,40,5],[42,1,42,5],[13,1,13,5],[15,1,15,5],[24,1,24,5],[25,2,25,5],[26,2,26,5]]}
[null,"MARKET DATA — Live Feeds & Currency Registry"]
[null,"VBA fetches live data from public APIs (BoE, ONS, ECB)  ·  No paid subscription required  ·  Anthropic API key required for AI Tax Refresh only"]
[]
[]
[null,"  Single click to run  ·  Save as .xlsm first to enable macros  ·  Fetches: BoE rate, CPI, gilt yield, ONS earnings/HPI, ECB FX  ·  All sources are free public APIs (no key needed for market data)"]
[]
[null,"  GOOGLE GEMINI API KEY  —  FREE  ·  required for AI Tax Refresh  ·  NOT needed for market data"]
[null,"  STEP 1 — Open your browser and go to the URL in the next cell:","https://aistudio.google.com/app/apikey"]
[null,"  STEP 2 — Sign in with your Google / Gmail account."]
[null,"  STEP 3 — Click “Create API key” then “Create API key in new project”."]
[null,"  STEP 4 — Copy the key (starts AIza...) and paste it into the yellow cell below."]
[null,"  FREE TIER: 1,500 requests/day  ·  15 req/min  ·  No credit card required  ·  The key is free  ·  Usage at this scale is free  ·  You will not be charged."]
[null,"  Google Gemini API Key (AIza...)",null,null,null,"Stored locally. Sent only to generativelanguage.googleapis.com"]
[null,"  ✔  The API key is completely free  ·  Gemini 1.5 Flash usage at this scale (a few queries/month) incurs no charge  ·  No credit card is required at any point  ·  Market data refresh works with NO key."]
[]
[null,"  UK MACRO DATA  —  populated by button above via live public REST APIs"]
[null,"Indicator","Current Value","As of Date","API Source","Signal"]
[null,"  BoE Base Rate (%)","[click Refresh]",null,"BoE IADB  (free, no key)"]
[null,"  UK CPI annual (%)",null,null,"ONS / manual entry","— enter manually"]
[null,"  10yr Gilt Yield (%)","[click Refresh]",null,"BoE IADB  (free, no key)"]
[null,"  FTSE All-World 1yr (%)",null,null,"Manual — e.g. vanguard.co.uk/investments","— enter manually"]
[null,"  ONS Earnings Growth (%)",null,null,"ONS / manual entry","— enter manually"]
[null,"  ONS House Price Index",null,null,"ONS / manual entry","— enter manually"]
[]
[null,"  AI TAX REFRESH STATUS"]
[null,"  Last AI tax parameter query","[Never — run QueryTaxParameters() macro to update]"]
[null,"  AI parameters currently active?","No"]
[null,"  Model in use","gemini-1.5-flash  (free — aistudio.google.com)"]
[]
[null,"  CURRENCY REGISTRY (up to 8 currencies)  —  rates fetched by Refresh button"]
[null,"ISO Code","Description","GBP Rate (1 unit =)","As of Date","Source"]
[null,"USD","US Dollars",null,null,"ECB SDW / BoE IADB fallback"]
[null,"EUR","Euros",null,null,"ECB SDW / BoE IADB fallback"]
[null,"AED","UAE Dirhams",null,null,"ECB SDW / BoE IADB fallback"]
[null,"AUD","Australian Dollars",null,null,"ECB SDW / BoE IADB fallback"]
[null,"INR","Indian Rupees",null,null,"ECB SDW / BoE IADB fallback"]
[null,null,null,null,null,"ECB SDW / BoE IADB fallback"]
[null,null,null,null,null,"ECB SDW / BoE IADB fallback"]
[null,null,null,null,null,"ECB SDW / BoE IADB fallback"]
[]
[null,"  HISTORICAL FX LOG"]
[null,"Date","Currency","Rate (GBP)","Source","Notes"]
[null,"VBA FetchMarketData() appends monthly spot rates here. Records the GBP/foreign rate at acquisition and disposal dates for CGT cost basis."]

{"sheet":"Assumptions","index":15,"n_rows":72,"n_cols":6,"rows_kept":72,"cut":false,"hidden":false,"merged":[[30,1,30,5],[41,1,41,5],[52,1,52,5],[71,1,71,5],[0,1,0,5],[1,1,1,5],[4,1,4,5],[14,1,14,5],[22,1,22,5]]}
[null,"ASSUMPTIONS — All Modelling Parameters"]
[null,"All formulas reference these values  ·  Yellow = user override  ·  Blue = hardcoded 2025/26 HMRC values  ·  Sources documented"]
[]
[null,"Parameter","2025/26 Value","User Override","Source","Confidence"]
[null,"  UK INCOME TAX — ENGLAND 2025/26"]
[null,"  Personal Allowance (£)",12570,null,"HMRC 2025/26","High"]
[null,"  Basic Rate Limit (£)",50270,null,"HMRC 2025/26","High"]
[null,"  Higher Rate Limit (£)",125140,null,"HMRC 2025/26","High"]
[null,"  PA Taper Start (£)",100000,null,"HMRC 2025/26","High"]
[null,"  Basic Rate (%)",0.2,null,"HMRC 2025/26","High"]
[null,"  Higher Rate (%)",0.4,null,"HMRC 2025/26","High"]
[null,"  Additional Rate (%)",0.45,null,"HMRC 2025/26","High"]
[null,"  Marriage Allowance Transfer (£)",1260,null,"HMRC 2025/26","High"]
[]
[null,"  NATIONAL INSURANCE 2025/26"]
[null,"  NI Primary Threshold (£)",12570,null,"HMRC 2025/26","High"]
[null,"  NI Upper Earnings Limit (£)",50270,null,"HMRC 2025/26","High"]
[null,"  NI Employee Rate — main (%)",0.08,null,"HMRC 2025/26","High"]
[null,"  NI Employee Rate — upper (%)",0.02,null,"HMRC 2025/26","High"]
[null,"  NI Class 3 Weekly Rate (£)",17.45,null,"HMRC 2025/26","High"]
[null,"  NI Qualifying Years (full pension)",35,null,"HMRC 2025/26","High"]
[]
[null,"  PENSIONS 2025/26"]
[null,"  Annual Allowance (£)",60000,null,"HMRC 2025/26","High"]
[null,"  Money Purchase Annual Allowance (£)",10000,null,"HMRC 2025/26","High"]
[null,"  Minimum Access Age",57,null,"HMRC 2025/26","High"]
[null,"  Tax-Free Cash Fraction",0.25,null,"HMRC 2025/26","High"]
[null,"  LTA Abolished (1=Yes)",1,null,"Finance Act 2024","High"]
[null,"  Pension IHT from April 2027 (1=Yes)",1,null,"HMRC Proposed","Medium"]
[]
[null,"  ISA & SAVINGS WRAPPERS 2025/26"]
[null,"  ISA Annual Limit (£)",20000,null,"HMRC 2025/26","High"]
[null,"  LISA Annual Limit (£)",4000,null,"HMRC 2025/26","High"]
[null,"  LISA Govt Bonus Rate",0.25,null,"HMRC 2025/26","High"]
[null,"  LISA Max Property Price (£)",450000,null,"HMRC 2025/26","High"]
[null,"  JISA Annual Limit (£)",9000,null,"HMRC 2025/26","High"]
[null,"  Personal Savings Allowance — Basic (£)",1000,null,"HMRC 2025/26","High"]
[null,"  Personal Savings Allowance — Higher (£)",500,null,"HMRC 2025/26","High"]
[null,"  Dividend Allowance (£)",500,null,"HMRC 2025/26","High"]
[null,"  CGT Annual Exempt Amount (£)",3000,null,"HMRC 2025/26","High"]
[]
[null,"  STATE PENSION & CHILD BENEFIT 2025/26"]
[null,"  Full New State Pension — Weekly (£)",230.25,null,"DWP 2025/26","High"]
[null,"  Full New State Pension — Annual (£)",11973,null,"DWP 2025/26","High"]
[null,"  State Pension Age (years)",66,null,"DWP 2025/26","High"]
[null,"  Deferral Rate (per year)",5.8000000000000003E-2,null,"DWP 2025/26","High"]
[null,"  Triple Lock Long-Run Assumption",2.5000000000000001E-2,null,"Assumption","Medium"]
[null,"  Child Benefit — Eldest (weekly £)",25.6,null,"HMRC 2025/26","High"]
[null,"  Child Benefit — Additional (weekly £)",16.95,null,"HMRC 2025/26","High"]
[null,"  HICBC Taper Start (£)",60000,null,"HMRC 2025/26","High"]
[null,"  HICBC Full Withdrawal (£)",80000,null,"HMRC 2025/26","High"]
[]
[null,"  MODELLING ASSUMPTIONS"]
[null,"  Long-Run CPI Inflation (%)",2.5000000000000001E-2,null,"OBR long-run","Medium"]
[null,"  Equity Return Pre-Retirement (%)",6.5000000000000002E-2,null,"Historical avg","Medium"]
[null,"  Equity Return Post-Retirement (%)",4.4999999999999998E-2,null,"Conservative","Medium"]
[null,"  Bond Return (%)",0.03,null,"Gilt yield proxy","Medium"]
[null,"  Cash Return (%)",0.04,null,"BoE base rate proxy","Medium"]
[null,"  UK House Price Inflation (%)",0.03,null,"ONS long-run","Medium"]
[null,"  School Fee Inflation (%)",0.05,null,"ISC historical","Medium"]
[null,"  Healthcare CPI (%)",3.5000000000000003E-2,null,"LaingBuisson","Medium"]
[null,"  Salary Growth (%)",0.03,null,"ONS earnings","Medium"]
[null,"  Residential Care Annual (£)",50400,null,"LaingBuisson 2025","Medium"]
[null,"  Home Care Annual (£)",25000,null,"LaingBuisson 2025","Medium"]
[null,"  Monte Carlo Equity SD (%)",0.15,null,"Historical","Medium"]
[null,"  Monte Carlo Bond SD (%)",0.06,null,"Historical","Medium"]
[null,"  Monte Carlo Inflation SD (%)",1.4999999999999999E-2,null,"Historical","Medium"]
[null,"  AI Model Name","claude-sonnet-4-5",null,"Anthropic","N/A"]
[null,"  AI Params Last Updated","Never",null,"Auto-updated","Auto"]
[null,"  AI Params Active?","No",null,"Auto-updated","Auto"]
[]
[null,"SOURCE: All 2025/26 figures from HMRC.gov.uk, DWP, ONS, LaingBuisson. User Override (yellow) takes precedence when populated. AI tax refresh appends updated values to this sheet after user verification."]

{"sheet":"Disclaimer","index":16,"n_rows":27,"n_cols":2,"rows_kept":27,"cut":false,"hidden":false,"merged":[]}
[]
[]
[null,"NOT FINANCIAL ADVICE — READ BEFORE USE"]
[null,"Payslip to Payback is an educational and personal planning tool only. IT DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, LEGAL OR PROFESSIONAL ADVICE OF ANY KIND. Projections are illustrative only, based on assumptions that may not reflect your personal circumstances and may be materially affected by changes to tax law, investment returns, inflation, or life events. The calculations in this workbook are prone to error. Formulas may contain mistakes. Assumptions may be outdated, incomplete, or inapplicable to your situation. Do not make any significant financial decision based solely or primarily on this tool. YOU SHOULD CONSULT A QUALIFIED, FCA-REGULATED FINANCIAL PLANNING PROFESSIONAL before making decisions involving pensions, retirement income, significant investments, inheritance, tax planning, protection needs, or any other material financial matter. The authors accept no liability for any financial loss or damage arising from use of this tool."]
[]
[null,"COPYRIGHT, LICENCE & PUBLIC DOMAIN RELEASE"]
[null,"Copyright © 2026 Polyglyph Analytica  ·  https://polyglyphanalytica.com\n\nThis workbook was built for personal use and is released into the public domain. You are free to use, copy, modify, and distribute this workbook for any purpose, commercial or non-commercial, without restriction and without requiring attribution, subject to the disclaimers in this section. \n\nTHIS WORKBOOK IS PROVIDED \"AS IS\", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. IN NO EVENT SHALL THE AUTHORS BE LIABLE FOR ANY CLAIM, DAMAGES, OR OTHER LIABILITY ARISING FROM THE USE OF THIS WORKBOOK."]
[]
[null,"AI-ASSISTED TAX PARAMETER UPDATES"]
[null,"The optional AI tax refresh queries a large language model to suggest current UK tax parameters. IMPORTANT: (1) AI models can produce incorrect values. (2) AI has knowledge cutoffs. (3) Mid-year HMRC changes may not be captured. (4) AI cannot be held legally accountable. (5) ALL AI-suggested values must be verified at HMRC.gov.uk before acceptance. When AI parameters are active, all projection outputs are flagged. A full audit log of every AI query is maintained on the AuditLog sheet."]
[]
[null,"OFFSHORE ASSETS & INTERNATIONAL TAX"]
[null,"This tool provides indicative modelling of foreign currency assets and overseas income. UK tax treatment of these items is highly complex and depends on bilateral tax treaties, offshore trust structures, domicile status, and tax residency position. This tool does NOT model: offshore trust structures; foreign pension treaty relief in detail; non-domicile / remittance basis; HMRC worldwide disclosure obligations; FATCA/CRS reporting. Seek specialist advice from a tax adviser with international UK taxation expertise."]
[]
[null,"PROJECTION LIMITATIONS"]
[null,"All projections involve assumptions about future events that cannot be known with certainty. Investment returns: past performance does not guarantee future results. Inflation: even small long-run changes materially affect 30–40 year projections. Tax law: UK tax law changes frequently and this tool cannot predict future changes. Life events: divorce, illness, redundancy can alter outcomes in ways this tool cannot predict. Longevity: living longer than the planning age creates financial risk."]
[]
[null,"DATA & PRIVACY"]
[null,"All data is stored locally in this Excel workbook. No data is transmitted to any third party except: (1) When using AI Tax Refresh — a structured prompt with no personal data is sent to Anthropic Claude API. (2) When Power Query fetches macro data — connections are made to ECB, BoE, and ONS public APIs. No personal financial data is ever transmitted in these API calls. Your financial data never leaves this workbook unless you choose to share it."]
[]
[]
[null,"Version / Date / Change Summary"]
[null,"  v1.0 | March 2026 | Initial specification"]
[null,"  v1.1 | March 2026 | Children & Education module + Home & Property module"]
[null,"  v1.2 | March 2026 | AI tax refresh (Amendment B) + Inheritance (Amendment C) + Multi-currency (Amendment D)"]
[null,"  v1.3 | March 2026 | Full build | Amendment E-H: one-off income, life stage, wizard, insurance & protection, asset register"]
[null,"  v1.4 | March 2026 | Bug fix: Monthly Tracker CF formula (CF_RETIRE empty-string comparison) | Market Data refresh button | Copyright & public domain release | Disclaimer expanded"]

{"sheet":"Children & Education","index":17,"n_rows":34,"n_cols":6,"rows_kept":34,"cut":false,"hidden":false,"merged":[[28,1,28,5],[33,1,33,5],[0,1,0,5],[1,1,1,5],[3,1,3,5],[10,1,10,5],[21,1,21,5]]}
[null,"CHILDREN & EDUCATION COSTS"]
[null,"Full lifecycle  ·  Govt support  ·  Opportunity cost  ·  Freed-cash planner"]
[]
[null,"  CHILD REGISTRY (up to 4 children)"]
[null,"Child","Date of Birth","Education Pathway","Current Annual Cost (£)","Notes"]
[null,"  Child 1",null,null,0]
[null,"  Child 2",null,null,0]
[null,"  Child 3",null,null,0]
[null,"  Child 4",null,null,0]
[]
[null,"  EDUCATION COST BENCHMARKS 2025/26"]
[null,"Stage & Pathway","Annual Cost","Years","Total Nominal","Source"]
[null,"  Nursery — State (after 30hrs funding)","~£1,200/yr","3","~£3,600","DfE 2025"]
[null,"  Nursery — Private (full fees, inc. VAT)","~£12,000/yr","3","~£36,000","Daynurseries 2025"]
[null,"  Primary — State (extras)","~£1,500/yr","7","~£10,500","School costs survey"]
[null,"  Primary — Private prep (inc. VAT)","~£18,000/yr","7","~£126,000","ISC 2025 + VAT"]
[null,"  Secondary — State (extras)","~£2,500/yr","5","~£12,500","School costs survey"]
[null,"  Secondary — Private day (inc. VAT)","~£30,000/yr","7","~£210,000","ISC 2025 + VAT"]
[null,"  University — fees + parental support","~£15,000/yr","3","~£45,000","UCAS / SFE 2025"]
[null,"  TOTAL — Full private day school journey","~£400k+ per child",null,null,"LaingBuisson / ISC"]
[]
[null,"  GOVERNMENT CHILDCARE SUPPORT"]
[null,"Support Scheme","Eligible?","Annual Benefit (£)",null,"Notes"]
[null,"  30 Hours Free Childcare (working parents 9mo-4yr)","Check gov.uk","~£6,000",null,"Must be working, under £100k income"]
[null,"  Tax-Free Childcare (£2 per £8 you pay)","Check gov.uk","~£2,000/child",null,"Max £2k per child per year"]
[null,"  Child Benefit — eldest child","£25.60/wk","~£1,331/yr",null,"HICBC applies if income above £60k"]
[null,"  Child Benefit — each additional child","£16.95/wk","~£881/yr",null,"HICBC applies if income above £60k"]
[]
[null,"  OPPORTUNITY COST ENGINE"]
[null,"Item","Value"]
[null,"  Total child costs this year (£)",{"$f":"SUM(E6:E9)","v":0}]
[null,"  Years to retirement (approx.)",20]
[null,"  Approx. retirement pot impact (compounded) (£)",{"$f":"IFERROR(C30*(1.065^C31),0)","v":0}]
[null,"The retirement pot impact figure shows the estimated effect on your pension of diverting this year's child-related costs away from pension contributions. It is information for planning purposes only — not a reason to avoid having children."]

{"sheet":"Home & Property","index":18,"n_rows":28,"n_cols":5,"rows_kept":28,"cut":false,"hidden":false,"merged":[[0,1,0,4],[1,1,1,4],[3,1,3,4],[11,1,11,4],[21,1,21,4]]}
[null,"HOME & PROPERTY GOALS"]
[null,"Deposit planner  ·  LISA tracker  ·  Competing goals  ·  Home equity as retirement asset"]
[]
[null,"  CURRENT HOUSING SITUATION"]
[null,"Item","Your Value",null,"Source / Notes"]
[null,"  Current housing status","(from Start Here)"]
[null,"  Outstanding mortgage (£)","(from Start Here)"]
[null,"  Monthly mortgage payment (£)","(from Start Here)"]
[null,"  Current estimated property value (£)",0]
[null,"  Current equity (£)",{"$f":"IF(C7=0,C8,C8-C6)","v":{"$error":"#VALUE!"}}]
[]
[null,"  FIRST HOME DEPOSIT PLANNER"]
[null,"Item","Value",null,"Notes"]
[null,"  Target property value (£)",0]
[null,"  Target deposit %",10,null,"e.g. 10 for 10%"]
[null,"  Target deposit amount (£)",{"$f":"C14*C15/100","v":0},null,"Calculated"]
[null,"  Current deposit savings (£)",0]
[null,"  Monthly saving toward deposit (£)",0]
[null,"  Months to target",{"$f":"IFERROR(CEILING((C16-C17)/C18,1),\"\")","v":""},null,"Calculated"]
[null,"  LISA eligible? (property max £450k)",{"$f":"IF(C14=0,\"Enter target value\",IF(C14<=450000,\"Yes - LISA recommended\",\"No - above LISA property cap\"))","v":"Enter target value"}]
[]
[null,"  HOME EQUITY AS RETIREMENT ASSET"]
[null,"Item","Value",null,"Notes"]
[null,"  Current equity (£)",{"$f":"C9","v":0},null,"From housing situation above"]
[null,"  Years to retirement (enter)",20]
[null,"  Projected equity at retirement (£)",{"$f":"IFERROR(C23*(1.03^C24),0)","v":0},null,"At 3% HPI per year"]
[null,"  Downsize release (30% smaller home)",{"$f":"C25*0.3","v":6},null,"Estimated equity released"]
[null,"  Monthly income over 20 years (£)",{"$f":"IFERROR(C26/20/12,0)","v":0},null,"If spread over 20 retirement years"]

{"sheet":"Insurance & Protection","index":19,"n_rows":88,"n_cols":7,"rows_kept":88,"cut":false,"hidden":false,"merged":[[0,1,0,6],[1,1,1,6],[3,1,3,6],[4,1,4,6],[6,1,6,6],[15,1,15,6],[22,1,22,6],[27,1,27,6],[32,1,32,6],[33,1,33,6],[62,1,62,6],[69,1,69,6],[70,1,70,6],[80,1,80,6],[87,1,87,6]]}
[null,"INSURANCE & PROTECTION  ·  Cover Requirements, Register & Gap Analysis"]
[null,"Calculates recommended cover  ·  Log personal + employer policies  ·  Highlights under- or over-insurance  ·  Not financial advice"]
[]
[null,"  SECTION 1 OF 3  —  COVER REQUIREMENTS  (auto-calculated from your profile)"]
[null,"  ℹ  Figures pull from Start Here. Override any assumption using the yellow cells."]
[null,"Cover Type","Recommended Cover","Basis / Method","Key Assumption","Override Assumption","Notes"]
[null,"  LIFE INSURANCE  —  pays a lump sum on death"]
[null,"  Income replacement multiple (years)","10",null,10,null,"Rule of thumb: 10x salary. Reduce if near retirement, increase if young with dependants."]
[null,"  Life cover — income replacement element (£)",{"$f":"IFERROR('Start Here'!C11*E8,0)","v":0},"Salary × multiple",null,null,"Your gross salary × income multiple above"]
[null,"  Life cover — mortgage repayment element (£)",{"$f":"IFERROR('Start Here'!C22,0)","v":0},"Outstanding mortgage balance",null,null,"Enough to clear the mortgage on death"]
[null,"  Life cover — dependent children element (£)",{"$f":"IFERROR('Start Here'!C38*100000,0)","v":0},"No. of children × £100,000",100000,null,"Override per-child lump sum (default £100k)"]
[null,"  Less: existing pension / savings wealth (£)",{"$f":"IFERROR('Start Here'!C25+'Start Here'!C27+'Start Here'!C29,0)","v":0},"Pension + ISA + other savings",null,null,"Wealth that survives death and supports dependants"]
[null,"  ▶  RECOMMENDED LIFE COVER  —  YOU (£)",{"$f":"MAX(0,C9+C10+C11-C12)","v":0},"Income + mortgage + dependants − wealth",null,null,"Minimum recommended. Increase if you have a stay-at-home partner."]
[null,"  ▶  RECOMMENDED LIFE COVER  —  PARTNER (£)",{"$f":"IFERROR(IF('Start Here'!C12=\"Yes\",MAX(0,'Start Here'!C16*E8+'Start Here'!C22/2+'Start Here'!C38*E11-'Start Here'!C26-'Start Here'!C28),0),0)","v":0},"Partner salary × multiple + half mortgage + dependants − partner wealth",null,null,"Only relevant if planning as a couple"]
[]
[null,"  INCOME PROTECTION (IP)  —  replaces salary if you cannot work due to illness or injury"]
[null,"  IP replacement ratio (% of gross salary)","60% (HMRC-aligned max)",null,0.6,null,"HMRC caps IP benefit at ~60% of gross earnings to retain work incentive"]
[null,"  Deferred period (weeks before benefit pays)",null,null,13,null,"Match to employer sick pay period. Common: 4, 13, 26, 52 weeks."]
[null,"  Emergency fund covers (months)",{"$f":"IFERROR(E18/4.33,\"\")","v":3.0023094688221708},"Weeks ÷ 4.33"]
[null,"  ▶  RECOMMENDED IP BENEFIT — YOU (£ per month)",{"$f":"IFERROR(ROUND('Start Here'!C11*E17/12,0),0)","v":0},"Gross salary × ratio ÷ 12",null,null,"Monthly benefit until retirement age or recovery"]
[null,"  ▶  RECOMMENDED IP BENEFIT — PARTNER (£ per month)",{"$f":"IFERROR(IF('Start Here'!C12=\"Yes\",ROUND('Start Here'!C16*E17/12,0),0),0)","v":0},"Partner gross salary × ratio ÷ 12"]
[]
[null,"  CRITICAL ILLNESS (CI)  —  lump sum on diagnosis of specified serious illness"]
[null,"  CI lump sum basis (years of salary)",null,null,3,null,"Default 3× to cover adaptation costs, treatment gaps & income bridge"]
[null,"  ▶  RECOMMENDED CI COVER — YOU (£)",{"$f":"IFERROR(ROUND('Start Here'!C11*E24,0),0)","v":0},"Gross salary × CI multiple",null,null,"Add outstanding mortgage if life cover does not include CI rider"]
[null,"  ▶  RECOMMENDED CI COVER — PARTNER (£)",{"$f":"IFERROR(IF('Start Here'!C12=\"Yes\",ROUND('Start Here'!C16*E24,0),0),0)","v":0},"Partner gross salary × CI multiple"]
[]
[null,"  PRIVATE HEALTH INSURANCE (PHI)  —  faster access to diagnosis & treatment"]
[null,"  Indicative annual premium — YOU (£)",null,null,1800,null,"Typical individual PHI: £900-£3,500/yr. Enter actual quote if known."]
[null,"  Indicative annual premium — PARTNER (£)",{"$f":"IF('Start Here'!C12=\"Yes\",E30,0)","v":0},null,1500,null,"Leave at 0 if planning alone"]
[null,"  PHI reduces care reserve needed by (%)",null,null,0.2,null,"Having PHI reduces the Care Costs reserve. Adjust to taste."]
[]
[null,"  SECTION 2 OF 3  —  YOUR INSURANCE REGISTER  (enter all current policies)"]
[null,"  ℹ  Include ALL policies: personal, employer-provided, and policies held in trust. Employer cover updates at review or job change. Mark employer-provided policies so the gap analysis can correctly attribute what you actually have."]
[null,"Policy / Cover Type","Provider / Employer","Source","Sum Assured / Benefit (£)","Annual Premium (£)","In Trust? / Notes"]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[null,null,null,null,0,0]
[]
[null,"  REGISTER TOTALS  —  auto-summed by cover type"]
[null,"Cover Type","Personal Policies","Employer-Provided","Total Cover","Total Annual Premium"]
[null,"  Life Insurance (all life types)",{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Life Insurance\",\"Life Insurance — Joint\",\"Relevant Life Policy (employer)\",\"Death in Service (employer)\"},0)))*(ISNUMBER(SEARCH(\"Personal\",D36:D61)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Life Insurance\",\"Life Insurance — Joint\",\"Relevant Life Policy (employer)\",\"Death in Service (employer)\"},0)))*(ISNUMBER(SEARCH(\"Employer\",D36:D61)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Life Insurance\",\"Life Insurance — Joint\",\"Relevant Life Policy (employer)\",\"Death in Service (employer)\"},0)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Life Insurance\",\"Life Insurance — Joint\",\"Relevant Life Policy (employer)\",\"Death in Service (employer)\"},0)))*F36:F61),0)","v":0}]
[null,"  Income Protection (all IP types)",{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Income Protection\",\"Group IP (employer)\"},0)))*(ISNUMBER(SEARCH(\"Personal\",D36:D61)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Income Protection\",\"Group IP (employer)\"},0)))*(ISNUMBER(SEARCH(\"Employer\",D36:D61)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Income Protection\",\"Group IP (employer)\"},0)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Income Protection\",\"Group IP (employer)\"},0)))*F36:F61),0)","v":0}]
[null,"  Critical Illness (all CI types)",{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Critical Illness\",\"Critical Illness + Life (combined)\",\"Group CI (employer)\"},0)))*(ISNUMBER(SEARCH(\"Personal\",D36:D61)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Critical Illness\",\"Critical Illness + Life (combined)\",\"Group CI (employer)\"},0)))*(ISNUMBER(SEARCH(\"Employer\",D36:D61)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Critical Illness\",\"Critical Illness + Life (combined)\",\"Group CI (employer)\"},0)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Critical Illness\",\"Critical Illness + Life (combined)\",\"Group CI (employer)\"},0)))*F36:F61),0)","v":0}]
[null,"  Private Health Insurance (all PHI)",{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Private Health Insurance\",\"Private Health Insurance — Family\",\"Group PHI (employer)\"},0)))*(ISNUMBER(SEARCH(\"Personal\",D36:D61)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Private Health Insurance\",\"Private Health Insurance — Family\",\"Group PHI (employer)\"},0)))*(ISNUMBER(SEARCH(\"Employer\",D36:D61)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Private Health Insurance\",\"Private Health Insurance — Family\",\"Group PHI (employer)\"},0)))*E36:E61),0)","v":0},{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(MATCH(B36:B61,{\"Private Health Insurance\",\"Private Health Insurance — Family\",\"Group PHI (employer)\"},0)))*F36:F61),0)","v":0}]
[]
[null,"  SECTION 3 OF 3  —  GAP ANALYSIS  (recommended vs. actual cover)"]
[null,"  ℹ  GREEN = adequately covered.  RED = under-insured (gap to close).  AMBER = over-insured (potential to reduce premiums).  Employer cover is included in \"Total Cover\" but flagged separately so you know what you would lose if you changed jobs."]
[null,"Cover Type","Recommended (£)","Personal Cover (£)","Employer Cover (£)","Total Cover (£)","Status & Gap"]
[null,"  Life Insurance — YOU",{"$f":"C13","v":0},{"$f":"C65","v":0},{"$f":"D65","v":0},{"$f":"E65","v":0},{"$f":"IF(C73=0,\"N/A — not a couple\",IF(E73>=C73*0.9,IF(E73>C73*1.3,\"OVER  +£\"&TEXT(E73-C73,\"#,##0\"),\"OK  ✓\"),\"UNDER  −£\"&TEXT(C73-E73,\"#,##0\")))","v":"N/A — not a couple"}]
[null,"  Life Insurance — PARTNER",{"$f":"C14","v":0},{"$f":"C65","v":0},0,0,"N/A — not a couple"]
[null,"  Income Protection — YOU",{"$f":"C20","v":0},0,0,0,"N/A — not a couple"]
[null,"  Income Protection — PARTNER",{"$f":"C21","v":0},{"$f":"C66","v":0},0,0,"N/A — not a couple"]
[null,"  Critical Illness — YOU",{"$f":"C25","v":0},0,0,0,"N/A — not a couple"]
[null,"  Critical Illness — PARTNER",{"$f":"C26","v":0},{"$f":"C67","v":0},0,0,"N/A — not a couple"]
[null,"  Private Health Insurance","See note →",0,0,0,{"$f":"IF(E79>0,\"COVERED  ✓  (reduces Care Costs reserve)\",\"NOT COVERED  —  optional but beneficial\")","v":"NOT COVERED  —  optional but beneficial"}]
[]
[null,"  COST SUMMARY"]
[null,"Cost Item","Annual (£)","Monthly (£)",null,null,"Notes"]
[null,"  Personal policy premiums — total",{"$f":"IFERROR(SUM(F36:F61)-SUMPRODUCT((ISNUMBER(SEARCH(\"Employer\",D36:D61)))*F36:F61),0)","v":0},{"$f":"IFERROR(C83/12,\"\")","v":0},null,null,"Personal out-of-pocket cost only"]
[null,"  Employer-paid premiums (for information)",{"$f":"IFERROR(SUMPRODUCT((ISNUMBER(SEARCH(\"Employer\",D36:D61)))*F36:F61),0)","v":0},{"$f":"IFERROR(C84/12,\"\")","v":0},null,null,"Benefit-in-kind — may attract income tax"]
[null,"  Total insurance cost (personal + employer)",{"$f":"IFERROR(SUM(F36:F61),0)","v":0},{"$f":"IFERROR(C85/12,\"\")","v":0},null,null,"Combined cost of all protection"]
[null,"  Insurance as % of gross salary",{"$f":"IFERROR(C83/'Start Here'!C11,\"\")","v":""},{"$f":"IFERROR(C86/12,\"\")","v":""},null,null,"Benchmark: 3-5% of gross salary is typical"]
[]
[null,"  ⚠  EMPLOYER COVER PORTABILITY WARNING  —  Death in Service, Group IP and Group PHI are employment-linked and cease if you change jobs, are made redundant, or your employer changes the scheme. If employer cover is material to your gap analysis, ensure you have a personal policy strategy to replace it on a career change."]

{"sheet":"Asset Register","index":20,"n_rows":97,"n_cols":15,"rows_kept":97,"cut":false,"hidden":false,"merged":[[64,1,64,14],[82,1,82,14],[96,1,96,14],[0,1,0,14],[1,1,1,14],[3,1,3,14],[6,1,6,14],[60,1,60,14]]}
[null,"ASSET REGISTER  ·  Portfolio Valuation, Gains & CGT Liability"]
[null,"Log all assets across all wrappers  ·  Tracks cost basis, unrealised gains and estimated CGT  ·  UK 2025/26 rules (AEA £3,000)  ·  Not financial advice"]
[]
[null,"  CGT ASSUMPTIONS  —  override if needed"]
[null,"  Annual Exempt Amount (AEA) 2025/26 (£)",3000,"Assumptions!CGT_AEA",null,"  Basic-rate CGT on investments (%)",0.18,null,"  Higher-rate CGT on investments (%)",0.24]
[null,"  CGT on residential property — basic rate (%)",0.18,null,null,"  CGT on residential property — higher rate (%)",0.24,null,"  Your marginal income tax band","Higher Rate"]
[null,"  ℹ  CGT is only payable on assets held outside tax-free wrappers (ISA, SIPP, Pension). Assets marked ISA or SIPP/Pension show £0 CGT liability. CGT rates 2025/26: investments 18%/24% (basic/higher), residential property 18%/24%. AEA £3,000 applies across ALL disposals in the tax year, not per asset."]
[]
[null,"Asset Name","Asset Type","Owner","Wrapper / Account","Purchase Date","Purchase Price (£)","Acquisition Costs (£)","Total Cost Basis (£)","Current Value (£)","Unrealised Gain / Loss (£)","Gain %","Holding Period (yrs)","Est. CGT if Disposed Today (£)","Notes / Ticker / ISIN"]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,{"$f":"IFERROR(G10+H10,0)","v":0},0,{"$f":"IFERROR(IF(I10+J10=0,\"\",J10-I10),\"\")","v":""},{"$f":"IFERROR(IF(I10=0,\"\",(J10-I10)/I10),\"\")","v":""},{"$f":"IFERROR(IF(F10=\"\",\"\",ROUND((TODAY()-F10)/365.25,1)),\"\")","v":""},{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E10))+ISNUMBER(SEARCH(\"Pension\",E10))+ISNUMBER(SEARCH(\"SIPP\",E10)))>0,0,MAX(0,K10)*IF(ISNUMBER(SEARCH(\"Property\",C10)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E11))+ISNUMBER(SEARCH(\"Pension\",E11))+ISNUMBER(SEARCH(\"SIPP\",E11)))>0,0,MAX(0,K11)*IF(ISNUMBER(SEARCH(\"Property\",C11)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E12))+ISNUMBER(SEARCH(\"Pension\",E12))+ISNUMBER(SEARCH(\"SIPP\",E12)))>0,0,MAX(0,K12)*IF(ISNUMBER(SEARCH(\"Property\",C12)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E13))+ISNUMBER(SEARCH(\"Pension\",E13))+ISNUMBER(SEARCH(\"SIPP\",E13)))>0,0,MAX(0,K13)*IF(ISNUMBER(SEARCH(\"Property\",C13)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E14))+ISNUMBER(SEARCH(\"Pension\",E14))+ISNUMBER(SEARCH(\"SIPP\",E14)))>0,0,MAX(0,K14)*IF(ISNUMBER(SEARCH(\"Property\",C14)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E15))+ISNUMBER(SEARCH(\"Pension\",E15))+ISNUMBER(SEARCH(\"SIPP\",E15)))>0,0,MAX(0,K15)*IF(ISNUMBER(SEARCH(\"Property\",C15)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E16))+ISNUMBER(SEARCH(\"Pension\",E16))+ISNUMBER(SEARCH(\"SIPP\",E16)))>0,0,MAX(0,K16)*IF(ISNUMBER(SEARCH(\"Property\",C16)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E17))+ISNUMBER(SEARCH(\"Pension\",E17))+ISNUMBER(SEARCH(\"SIPP\",E17)))>0,0,MAX(0,K17)*IF(ISNUMBER(SEARCH(\"Property\",C17)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E18))+ISNUMBER(SEARCH(\"Pension\",E18))+ISNUMBER(SEARCH(\"SIPP\",E18)))>0,0,MAX(0,K18)*IF(ISNUMBER(SEARCH(\"Property\",C18)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E19))+ISNUMBER(SEARCH(\"Pension\",E19))+ISNUMBER(SEARCH(\"SIPP\",E19)))>0,0,MAX(0,K19)*IF(ISNUMBER(SEARCH(\"Property\",C19)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E20))+ISNUMBER(SEARCH(\"Pension\",E20))+ISNUMBER(SEARCH(\"SIPP\",E20)))>0,0,MAX(0,K20)*IF(ISNUMBER(SEARCH(\"Property\",C20)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E21))+ISNUMBER(SEARCH(\"Pension\",E21))+ISNUMBER(SEARCH(\"SIPP\",E21)))>0,0,MAX(0,K21)*IF(ISNUMBER(SEARCH(\"Property\",C21)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E22))+ISNUMBER(SEARCH(\"Pension\",E22))+ISNUMBER(SEARCH(\"SIPP\",E22)))>0,0,MAX(0,K22)*IF(ISNUMBER(SEARCH(\"Property\",C22)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E23))+ISNUMBER(SEARCH(\"Pension\",E23))+ISNUMBER(SEARCH(\"SIPP\",E23)))>0,0,MAX(0,K23)*IF(ISNUMBER(SEARCH(\"Property\",C23)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E24))+ISNUMBER(SEARCH(\"Pension\",E24))+ISNUMBER(SEARCH(\"SIPP\",E24)))>0,0,MAX(0,K24)*IF(ISNUMBER(SEARCH(\"Property\",C24)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E25))+ISNUMBER(SEARCH(\"Pension\",E25))+ISNUMBER(SEARCH(\"SIPP\",E25)))>0,0,MAX(0,K25)*IF(ISNUMBER(SEARCH(\"Property\",C25)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E26))+ISNUMBER(SEARCH(\"Pension\",E26))+ISNUMBER(SEARCH(\"SIPP\",E26)))>0,0,MAX(0,K26)*IF(ISNUMBER(SEARCH(\"Property\",C26)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E27))+ISNUMBER(SEARCH(\"Pension\",E27))+ISNUMBER(SEARCH(\"SIPP\",E27)))>0,0,MAX(0,K27)*IF(ISNUMBER(SEARCH(\"Property\",C27)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E28))+ISNUMBER(SEARCH(\"Pension\",E28))+ISNUMBER(SEARCH(\"SIPP\",E28)))>0,0,MAX(0,K28)*IF(ISNUMBER(SEARCH(\"Property\",C28)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E29))+ISNUMBER(SEARCH(\"Pension\",E29))+ISNUMBER(SEARCH(\"SIPP\",E29)))>0,0,MAX(0,K29)*IF(ISNUMBER(SEARCH(\"Property\",C29)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E30))+ISNUMBER(SEARCH(\"Pension\",E30))+ISNUMBER(SEARCH(\"SIPP\",E30)))>0,0,MAX(0,K30)*IF(ISNUMBER(SEARCH(\"Property\",C30)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E31))+ISNUMBER(SEARCH(\"Pension\",E31))+ISNUMBER(SEARCH(\"SIPP\",E31)))>0,0,MAX(0,K31)*IF(ISNUMBER(SEARCH(\"Property\",C31)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E32))+ISNUMBER(SEARCH(\"Pension\",E32))+ISNUMBER(SEARCH(\"SIPP\",E32)))>0,0,MAX(0,K32)*IF(ISNUMBER(SEARCH(\"Property\",C32)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E33))+ISNUMBER(SEARCH(\"Pension\",E33))+ISNUMBER(SEARCH(\"SIPP\",E33)))>0,0,MAX(0,K33)*IF(ISNUMBER(SEARCH(\"Property\",C33)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E34))+ISNUMBER(SEARCH(\"Pension\",E34))+ISNUMBER(SEARCH(\"SIPP\",E34)))>0,0,MAX(0,K34)*IF(ISNUMBER(SEARCH(\"Property\",C34)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E35))+ISNUMBER(SEARCH(\"Pension\",E35))+ISNUMBER(SEARCH(\"SIPP\",E35)))>0,0,MAX(0,K35)*IF(ISNUMBER(SEARCH(\"Property\",C35)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E36))+ISNUMBER(SEARCH(\"Pension\",E36))+ISNUMBER(SEARCH(\"SIPP\",E36)))>0,0,MAX(0,K36)*IF(ISNUMBER(SEARCH(\"Property\",C36)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E37))+ISNUMBER(SEARCH(\"Pension\",E37))+ISNUMBER(SEARCH(\"SIPP\",E37)))>0,0,MAX(0,K37)*IF(ISNUMBER(SEARCH(\"Property\",C37)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E38))+ISNUMBER(SEARCH(\"Pension\",E38))+ISNUMBER(SEARCH(\"SIPP\",E38)))>0,0,MAX(0,K38)*IF(ISNUMBER(SEARCH(\"Property\",C38)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E39))+ISNUMBER(SEARCH(\"Pension\",E39))+ISNUMBER(SEARCH(\"SIPP\",E39)))>0,0,MAX(0,K39)*IF(ISNUMBER(SEARCH(\"Property\",C39)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E40))+ISNUMBER(SEARCH(\"Pension\",E40))+ISNUMBER(SEARCH(\"SIPP\",E40)))>0,0,MAX(0,K40)*IF(ISNUMBER(SEARCH(\"Property\",C40)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E41))+ISNUMBER(SEARCH(\"Pension\",E41))+ISNUMBER(SEARCH(\"SIPP\",E41)))>0,0,MAX(0,K41)*IF(ISNUMBER(SEARCH(\"Property\",C41)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,{"$f":"IFERROR(G42+H42,0)","v":0},0,{"$f":"IFERROR(IF(I42+J42=0,\"\",J42-I42),\"\")","v":""},{"$f":"IFERROR(IF(I42=0,\"\",(J42-I42)/I42),\"\")","v":""},{"$f":"IFERROR(IF(F42=\"\",\"\",ROUND((TODAY()-F42)/365.25,1)),\"\")","v":""},{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E42))+ISNUMBER(SEARCH(\"Pension\",E42))+ISNUMBER(SEARCH(\"SIPP\",E42)))>0,0,MAX(0,K42)*IF(ISNUMBER(SEARCH(\"Property\",C42)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E43))+ISNUMBER(SEARCH(\"Pension\",E43))+ISNUMBER(SEARCH(\"SIPP\",E43)))>0,0,MAX(0,K43)*IF(ISNUMBER(SEARCH(\"Property\",C43)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E44))+ISNUMBER(SEARCH(\"Pension\",E44))+ISNUMBER(SEARCH(\"SIPP\",E44)))>0,0,MAX(0,K44)*IF(ISNUMBER(SEARCH(\"Property\",C44)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E45))+ISNUMBER(SEARCH(\"Pension\",E45))+ISNUMBER(SEARCH(\"SIPP\",E45)))>0,0,MAX(0,K45)*IF(ISNUMBER(SEARCH(\"Property\",C45)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E46))+ISNUMBER(SEARCH(\"Pension\",E46))+ISNUMBER(SEARCH(\"SIPP\",E46)))>0,0,MAX(0,K46)*IF(ISNUMBER(SEARCH(\"Property\",C46)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E47))+ISNUMBER(SEARCH(\"Pension\",E47))+ISNUMBER(SEARCH(\"SIPP\",E47)))>0,0,MAX(0,K47)*IF(ISNUMBER(SEARCH(\"Property\",C47)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E48))+ISNUMBER(SEARCH(\"Pension\",E48))+ISNUMBER(SEARCH(\"SIPP\",E48)))>0,0,MAX(0,K48)*IF(ISNUMBER(SEARCH(\"Property\",C48)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E49))+ISNUMBER(SEARCH(\"Pension\",E49))+ISNUMBER(SEARCH(\"SIPP\",E49)))>0,0,MAX(0,K49)*IF(ISNUMBER(SEARCH(\"Property\",C49)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E50))+ISNUMBER(SEARCH(\"Pension\",E50))+ISNUMBER(SEARCH(\"SIPP\",E50)))>0,0,MAX(0,K50)*IF(ISNUMBER(SEARCH(\"Property\",C50)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E51))+ISNUMBER(SEARCH(\"Pension\",E51))+ISNUMBER(SEARCH(\"SIPP\",E51)))>0,0,MAX(0,K51)*IF(ISNUMBER(SEARCH(\"Property\",C51)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E52))+ISNUMBER(SEARCH(\"Pension\",E52))+ISNUMBER(SEARCH(\"SIPP\",E52)))>0,0,MAX(0,K52)*IF(ISNUMBER(SEARCH(\"Property\",C52)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E53))+ISNUMBER(SEARCH(\"Pension\",E53))+ISNUMBER(SEARCH(\"SIPP\",E53)))>0,0,MAX(0,K53)*IF(ISNUMBER(SEARCH(\"Property\",C53)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E54))+ISNUMBER(SEARCH(\"Pension\",E54))+ISNUMBER(SEARCH(\"SIPP\",E54)))>0,0,MAX(0,K54)*IF(ISNUMBER(SEARCH(\"Property\",C54)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E55))+ISNUMBER(SEARCH(\"Pension\",E55))+ISNUMBER(SEARCH(\"SIPP\",E55)))>0,0,MAX(0,K55)*IF(ISNUMBER(SEARCH(\"Property\",C55)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E56))+ISNUMBER(SEARCH(\"Pension\",E56))+ISNUMBER(SEARCH(\"SIPP\",E56)))>0,0,MAX(0,K56)*IF(ISNUMBER(SEARCH(\"Property\",C56)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E57))+ISNUMBER(SEARCH(\"Pension\",E57))+ISNUMBER(SEARCH(\"SIPP\",E57)))>0,0,MAX(0,K57)*IF(ISNUMBER(SEARCH(\"Property\",C57)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E58))+ISNUMBER(SEARCH(\"Pension\",E58))+ISNUMBER(SEARCH(\"SIPP\",E58)))>0,0,MAX(0,K58)*IF(ISNUMBER(SEARCH(\"Property\",C58)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[null,null,null,"You","GIA (General Investment Account)",null,0,0,0,0,"","","",{"$f":"IFERROR(IF((ISNUMBER(SEARCH(\"ISA\",E59))+ISNUMBER(SEARCH(\"Pension\",E59))+ISNUMBER(SEARCH(\"SIPP\",E59)))>0,0,MAX(0,K59)*IF(ISNUMBER(SEARCH(\"Property\",C59)),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),G6,C6),IF(OR(J6=\"Higher Rate\",J6=\"Additional Rate\"),J5,G5))),0)","v":0}]
[]
[null,"  PORTFOLIO SUMMARY"]
[null,null,"Total Cost Basis","Current Value","Total Gain / Loss","Gain %","Est. Gross CGT","Less: AEA (£3,000)","Est. Net CGT Payable"]
[null,"  ALL ASSETS",{"$f":"IFERROR(SUM(I10:I59),0)","v":0},{"$f":"IFERROR(SUM(J10:J59),0)","v":0},{"$f":"IFERROR(C63-B63,0)","v":0},{"$f":"IFERROR(IF(B63=0,0,D63/B63),0)","v":0},{"$f":"IFERROR(SUM(N10:N59),0)","v":0},{"$f":"MIN(C5,F63)","v":0},{"$f":"MAX(0,F63-G63)","v":0}]
[]
[null,"  BREAKDOWN BY ASSET TYPE  —  current value"]
[null,"Asset Type","Current Value","% of Portfolio","Total Cost","Unrealised Gain","Est. CGT"]
[null,"  UK Shares / Equities",{"$f":"IFERROR(SUMIF(C10:C59,\"UK Shares / Equities\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B67/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"UK Shares / Equities\",I10:I59),0)","v":0},{"$f":"IFERROR(B67-D67,0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"UK Shares / Equities\",N10:N59),0)","v":0}]
[null,"  International Shares",{"$f":"IFERROR(SUMIF(C10:C59,\"International Shares\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B68/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"International Shares\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"International Shares\",N10:N59),0)","v":0}]
[null,"  ETF / Index Fund",{"$f":"IFERROR(SUMIF(C10:C59,\"ETF / Index Fund\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B69/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"ETF / Index Fund\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"ETF / Index Fund\",N10:N59),0)","v":0}]
[null,"  Unit Trust / OEIC",{"$f":"IFERROR(SUMIF(C10:C59,\"Unit Trust / OEIC\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B70/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Unit Trust / OEIC\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Unit Trust / OEIC\",N10:N59),0)","v":0}]
[null,"  Investment Trust",{"$f":"IFERROR(SUMIF(C10:C59,\"Investment Trust\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B71/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Investment Trust\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Investment Trust\",N10:N59),0)","v":0}]
[null,"  Government Bonds / Gilts",{"$f":"IFERROR(SUMIF(C10:C59,\"Government Bonds / Gilts\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B72/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Government Bonds / Gilts\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Government Bonds / Gilts\",N10:N59),0)","v":0}]
[null,"  Corporate Bonds",{"$f":"IFERROR(SUMIF(C10:C59,\"Corporate Bonds\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B73/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Corporate Bonds\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Corporate Bonds\",N10:N59),0)","v":0}]
[null,"  Cash / Savings Account",{"$f":"IFERROR(SUMIF(C10:C59,\"Cash / Savings Account\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B74/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Cash / Savings Account\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Cash / Savings Account\",N10:N59),0)","v":0}]
[null,"  Residential Property",{"$f":"IFERROR(SUMIF(C10:C59,\"Residential Property\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B75/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Residential Property\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Residential Property\",N10:N59),0)","v":0}]
[null,"  Buy-to-Let Property",{"$f":"IFERROR(SUMIF(C10:C59,\"Buy-to-Let Property\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B76/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Buy-to-Let Property\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Buy-to-Let Property\",N10:N59),0)","v":0}]
[null,"  Gold / Precious Metals",{"$f":"IFERROR(SUMIF(C10:C59,\"Gold / Precious Metals\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B77/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Gold / Precious Metals\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Gold / Precious Metals\",N10:N59),0)","v":0}]
[null,"  Cryptocurrency",{"$f":"IFERROR(SUMIF(C10:C59,\"Cryptocurrency\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B78/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Cryptocurrency\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Cryptocurrency\",N10:N59),0)","v":0}]
[null,"  Art / Collectibles",{"$f":"IFERROR(SUMIF(C10:C59,\"Art / Collectibles\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B79/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Art / Collectibles\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Art / Collectibles\",N10:N59),0)","v":0}]
[null,"  Business / Unlisted Shares",{"$f":"IFERROR(SUMIF(C10:C59,\"Business / Unlisted Shares\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B80/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Business / Unlisted Shares\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Business / Unlisted Shares\",N10:N59),0)","v":0}]
[null,"  Other",{"$f":"IFERROR(SUMIF(C10:C59,\"Other\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B81/C63),0)","v":0},{"$f":"IFERROR(SUMIF(C10:C59,\"Other\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(C10:C59,\"Other\",N10:N59),0)","v":0}]
[]
[null,"  BREAKDOWN BY WRAPPER  —  tax treatment at a glance"]
[null,"Wrapper / Account","Current Value","% of Portfolio","Cost Basis","Gain","CGT on Disposal"]
[null,"  S&S ISA",{"$f":"IFERROR(SUMIF(E10:E59,\"S&S ISA\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B85/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"S&S ISA\",I10:I59),0)","v":0},{"$f":"IFERROR(B85-D85,0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"S&S ISA\",N10:N59),0)","v":0}]
[null,"  Cash ISA",{"$f":"IFERROR(SUMIF(E10:E59,\"Cash ISA\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B86/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"Cash ISA\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"Cash ISA\",N10:N59),0)","v":0}]
[null,"  LISA",{"$f":"IFERROR(SUMIF(E10:E59,\"LISA\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B87/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"LISA\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"LISA\",N10:N59),0)","v":0}]
[null,"  SIPP / Pension",{"$f":"IFERROR(SUMIF(E10:E59,\"SIPP / Pension\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B88/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"SIPP / Pension\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"SIPP / Pension\",N10:N59),0)","v":0}]
[null,"  Workplace Pension",{"$f":"IFERROR(SUMIF(E10:E59,\"Workplace Pension\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B89/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"Workplace Pension\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"Workplace Pension\",N10:N59),0)","v":0}]
[null,"  GIA (General Investment Account)",{"$f":"IFERROR(SUMIF(E10:E59,\"GIA (General Investment Account)\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B90/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"GIA (General Investment Account)\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"GIA (General Investment Account)\",N10:N59),0)","v":0}]
[null,"  Direct / Unregistered",{"$f":"IFERROR(SUMIF(E10:E59,\"Direct / Unregistered\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B91/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"Direct / Unregistered\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"Direct / Unregistered\",N10:N59),0)","v":0}]
[null,"  JISA",{"$f":"IFERROR(SUMIF(E10:E59,\"JISA\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B92/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"JISA\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"JISA\",N10:N59),0)","v":0}]
[null,"  EIS / SEIS",{"$f":"IFERROR(SUMIF(E10:E59,\"EIS / SEIS\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B93/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"EIS / SEIS\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"EIS / SEIS\",N10:N59),0)","v":0}]
[null,"  VCT",{"$f":"IFERROR(SUMIF(E10:E59,\"VCT\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B94/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"VCT\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"VCT\",N10:N59),0)","v":0}]
[null,"  Offshore Bond",{"$f":"IFERROR(SUMIF(E10:E59,\"Offshore Bond\",J10:J59),0)","v":0},{"$f":"IFERROR(IF(C63=0,0,B95/C63),0)","v":0},{"$f":"IFERROR(SUMIF(E10:E59,\"Offshore Bond\",I10:I59),0)","v":0},0,{"$f":"IFERROR(SUMIF(E10:E59,\"Offshore Bond\",N10:N59),0)","v":0}]
[]
[null,"  ⚠  CGT NOTES  —  (1) The £3,000 Annual Exempt Amount applies to your TOTAL net gains across ALL disposals in the tax year, not per asset. This sheet estimates gross CGT per asset and deducts AEA once at portfolio level.  (2) Losses in one asset can offset gains in another — not modelled here.  (3) Bed-and-ISA (sell then rebuy in ISA) resets cost basis tax-free within annual ISA allowance — consider this for high-gain GIA assets.  (4) Figures are estimates only. Always confirm with a tax adviser before disposing."]