Tax profile You
Personal details the retirement simulator needs to calculate your UK income tax year by year. Defaults are seeded from 2026/27 figures — edit where they don't match your situation. Everything here stays in your Supabase row and is only visible to your account.
Why it matters: this figure feeds the AI advisor's adjusted-income estimate for the £260k pension-allowance taper. If it's low, the advisor may wrongly think you have SIPP headroom you don't have.
Why it matters: this is pushed into the AI advisor's adjusted-income figure so the £260k pension-allowance taper calculation is accurate. Without it the advisor will over-estimate your SIPP headroom.
Investment wrappers SIPP / ISA / GIA
One row per account. SIPP = pensions (25% tax-free PCLS, rest taxed as income). ISA = tax-free withdrawals, no reporting. GIA = general investment account, no wrapper (dividends against £500 allowance, gains against £3,000 CGT allowance). Edit a row and changes save on blur.
Property Residence · Let · FHL
All properties you own — main residence, full-time let, or furnished holiday let (FHL). Rent is taxed as standard UK property income since the FHL regime was abolished in April 2025, but the type still matters: a main residence qualifies for Private Residence Relief on CGT, and mortgage interest on a main home is not deductible. Capture the mortgage details alongside each property so the AI advisor can weigh pay-off vs. keep-invested trade-offs.
Debts Consumer · ex-mortgage
Anything you currently owe outside of mortgages and BTC-backed loans — credit cards, personal / bank loans, car finance, motorbike finance, overdrafts. These are subtracted from the Net (ex-BTC) total below and flow through to the Net Worth dashboard. Mortgages stay on each property; BTC-backed loans live in the Loan Planner on the dashboard.
Summary
Your total wealth across all asset classes, minus everything you owe outside of mortgages and BTC-backed loans. Mortgage debt is already netted off inside the Property tile (value − mortgage = equity). The Retirement Simulator uses these numbers to run drawdown scenarios.
Once these numbers look right, head to the Retirement Simulator to model year-by-year drawdown strategies. The simulator will combine SIPP, ISA, GIA, property rent and your BTC loan strategy into a tax-optimised plan.