Recommendations AI
Personalised nudges based on your current portfolio — concentration risk, unused allowances, IHT exposure, progress to your £5m target.
Current Allocation
Mix of your wealth today across Bitcoin, pension, ISA, GIA, and property. Hover a slice to see the £ figure.
Tax-Efficiency Snapshot 2026/27
How much of each annual HMRC allowance is currently unused, and what that translates to in tax-free income if deployed.
| Allowance | Annual | Used | Unused |
|---|
Projected Portfolio — Today to Retirement
Stacked projection using your per-wrapper growth assumptions. BTC uses the rate from your Retire+ scenario (buy-borrow-die: never sold). Edit growth assumptions on Portfolio Inputs.
Airbnb — Gross, Net, and After-Tax Income
Annual rent grown at your inflation assumption, expenses held flat (edit on Inputs if you want to change that). "After tax" applies UK property-income tax using your full income stack (pension + state pension + rent).
Net Worth Over Time History
Each snapshot captures your wealth composition at a moment in time. A fresh one is taken automatically every couple of weeks on this page, or press Snapshot now to capture one on demand. The dashed line is your target — the gap between line and stack is what's left to build.
Allocation Drift
Each band is the % share of your wealth at the time of the snapshot. If Bitcoin creeps upward over time you're drifting toward concentration; if pension grows faster you're diversifying.
Sheltered vs Taxable
Sheltered = ISA + 25% PCLS of your SIPP (tax-free on withdrawal). Taxable = GIA + BTC + property (all subject to CGT / income tax on disposal). Watch this ahead of drawdown — the more you shift toward sheltered, the less the taxman eats.