Illustrative household, not real accounts
The view a professional takes of your money
What it costs, what it earns and what it is doing, worked out for Sam and Priya: an ordinary household with two salaries, a mortgage, two cards and a car on finance.
- Two salaries
- A mortgage, fixed until June 2027
- Two credit cards, one at 0%
- A car on finance
- Workplace pensions
- Stocks and Shares ISA
- Easy-access savings
1 of 4 · What their borrowing costs
Their cards and car loan cost them £4.28 a day, and £6.37 from 7 March 2027.
- Balance transfer card £3,400, 0% until 7 Mar 2027, then 24.9% APR
- Everyday card £2,380, 29.9% APR
- Car finance £9,850, 9.9% APR
Nothing is borrowed and no letter arrives: the 0% offer on their balance transfer card ends, and the same £3,400 starts costing £2.09 a day.
How we worked this out
- Each balance is priced at the rate on its latest statement, per day, over a 365-day year, which is how card issuers charge interest. An APR is converted to the simple rate interest is actually charged at.
- Balance transfer card: £3,400 at 0% until 7 March 2027, then 24.9% APR, £0.00 a day today.
- Everyday card: £2,380 at 29.9% APR, £1.72 a day today.
- Car finance: £9,850 at 9.9% APR, £2.56 a day today.
- Balances are held where they stand, so this shows what the price does, not what payments do. With your own accounts, the rates and the date an offer ends come from your statements.
2 of 4 · What an extra amount a month buys
Add £100 a month to their card and car payments and they are debt-free 10 months sooner.
Cards and car
10 months sooner
Debt-free in 2 years 7 months, £1,492 less interest
Or on the mortgage
3 years 3 months sooner
Paid off in 22 years 4 months, £11,521 less interest
What they owe on the cards and car, month by month
- As they pay now, £495 a month
- With £100 more
Put the same £100 on the mortgage instead and it ends 3 years 3 months early, with £11,521 less interest.
How we worked this out
- They pay £495 a month across the cards and the car, and keep paying the same total: when one debt clears, what it took goes to the next.
- The extra goes to the dearest balance first. The 0% balance is priced at 0% for 4 months and at its standard rate after that.
- The mortgage is priced at today's 2.69% for the rest of its term, because the rate after the fix is not known yet. Most lenders let you overpay up to 10% of the balance a year without a charge; check yours.
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3 of 4 · What their cash is doing
In 10 years their £15,000 of savings could buy as little as £12,305 or as much as £23,295 of today's shopping.
- Invested, a long-run scenario of 4.5% a year above inflation£23,295
- In their savings account at 3.5%£17,358
- Earning nothing£12,305
At their savings rate it stays ahead of inflation. The investing line is a long-run scenario, not a forecast: investments can fall as well as rise, and cash kept for emergencies has a job no investment does.
How we worked this out
- Everything is in today's money, with prices rising 2% a year, the Bank of England's target.
- Their account pays 3.5%. The interest is split between them, and each share is inside their Personal Savings Allowance for the 2026-27 tax year, so no tax is due on it.
- The investing scenario grows 4.5% a year above inflation, the long-run assumption CoreFi's own projections use. It is arithmetic, not a recommendation to invest.
4 of 4 · What their home is doing
Of their £85,752 home equity, £26,500 is their deposit, £24,252 they have repaid and £35,000 is the market.
Their fix ends in June 2027. Each percentage point on the next rate adds £111 a month to the payment.
How we worked this out
- They bought for £265,000 with a 30-year repayment mortgage at 2.69%, £966 a month. They owe £214,248 today and think it is worth £300,000.
- Capital repaid is worked back from today's balance and the payment. With your own home, its value moves with the Land Registry house price index for the area; this one is held at their estimate.
- When the fix ends they will owe £210,824 over 25 years. The payments shown are at rates 1, 2 and 3 percentage points above today's, a spread rather than a forecast. CoreFi does not advise on or arrange mortgages.
See this with your own accounts
CoreFi reads the same things from your accounts, so the figures are yours.
- Banks and cards, by Open Banking
- Barclays, HSBC, Lloyds, Nationwide, NatWest, Monzo, Starling, Santander, Revolut and TSB, read through TrueLayer.
- Card and loan statements
- Upload a statement and the rate on each balance, and the date any offer ends, are read from it. That is where the cost of a day comes from.
- Investing
- Trading 212, Interactive Brokers and Coinbase connect directly. Hargreaves Lansdown, Vanguard, Freetrade, Revolut and eToro import from a statement.
- Your home and mortgage
- Added by hand. The value then moves with the Land Registry house price index for your area.
Names are trademarks of their owners, shown to say which services CoreFi connects to. No endorsement is implied.
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Illustrative household. Sam and Priya are invented, and every figure on this page is worked out from their invented accounts by the same calculations CoreFi runs on real ones, on the day the page was built. Nothing here is financial advice.