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A woman pausing beside a mirror in a warm, sunlit room

01 / The Mirror

See where
you stand.

Understand your income, spending and wealth before deciding what comes next.

Explore an example

01 / Your everyday money

Where does your money really go?

Fictional example · 2026 · Not a forecast

A full year of income, spending and the amount left over.

Annual take-home income

€54,400Annual total

Annual spending

€39,450Transfers and debt principal excluded

Annual remaining after spending

€14,95027.5% of take-home income

Money remaining after spending is not necessarily realized savings: it may be invested or used to repay debt.

Income, spending & what remains

Jan–Dec 2026
  • Income
  • Spending
  • Monthly remaining
  • Cumulative remaining · right axis
Monthly fictional income, spending and remaining cash in 2026Grouped monthly bars show income and spending. The blue line shows monthly remaining cash on the left axis; the navy line shows its cumulative sum on the right axis. Exact values are available below.€0€0€2k€5k€4k€10k€6k€15k€8k€20kJan: income €4,200, spending €3,000, remaining €1,200, cumulative €1,200JanFeb: income €4,200, spending €3,100, remaining €1,100, cumulative €2,300FebMar: income €4,300, spending €3,000, remaining €1,300, cumulative €3,600MarApr: income €4,200, spending €3,200, remaining €1,000, cumulative €4,600AprMay: income €4,400, spending €3,100, remaining €1,300, cumulative €5,900MayJun: income €5,400, spending €3,400, remaining €2,000, cumulative €7,900JunJul: income €4,300, spending €3,600, remaining €700, cumulative €8,600JulAug: income €4,300, spending €3,900, remaining €400, cumulative €9,000AugSep: income €4,200, spending €3,250, remaining €950, cumulative €9,950SepOct: income €4,400, spending €3,100, remaining €1,300, cumulative €11,250OctNov: income €4,300, spending €3,200, remaining €1,100, cumulative €12,350NovDec: income €6,200, spending €3,600, remaining €2,600, cumulative €14,950Dec
Swipe or scroll the chart · Exact figures below
Monthly amounts use the left axis; cumulative remaining uses the right.
See the monthly figures
Fictional 2026 cash flow, EUR
MonthIncomeSpendingRemainingCumulative
Jan€4,200€3,000€1,200€1,200
Feb€4,200€3,100€1,100€2,300
Mar€4,300€3,000€1,300€3,600
Apr€4,200€3,200€1,000€4,600
May€4,400€3,100€1,300€5,900
Jun€5,400€3,400€2,000€7,900
Jul€4,300€3,600€700€8,600
Aug€4,300€3,900€400€9,000
Sep€4,200€3,250€950€9,950
Oct€4,400€3,100€1,300€11,250
Nov€4,300€3,200€1,100€12,350
Dec€6,200€3,600€2,600€14,950

€1,246 remains per month on average. Monthly amounts vary from €400 to €2,600.

02 / The bigger picture

How has your wealth changed — and why?

Net worth is your property, investments and cash, less debt.

Opening net worth

€86,000Assets less debt · start of year

Closing net worth

€105,150Assets less debt · end of year

Change during the year

+€19,150+22.3% from opening net worth

From opening to closing net worth

Opening → closing 2026
  • Property
  • Investments
  • Cash
  • Debt · below zero
Fictional annual wealth bridge from €86,000 to €105,150Opening and closing columns show assets stacked above zero and debt below zero. Navy ticks mark net worth, not gross assets. Floating steps explain income, spending, investment return and property revaluation. Exact figures and reconciliation are available below.−€50k€0€50k€100k€150kOpening: property €100,000, investments €20,000, cash €10,000, debt €44,000−€44k€86,000Income: €54,400. Net worth after this step: €140,400+€54,400Spending: -€39,450. Net worth after this step: €100,950−€39,450Investment return: €1,200. Net worth after this step: €102,150+€1,200Property revaluation: €3,000. Net worth after this step: €105,150+€3,000Closing: property €103,000, investments €27,200, cash €16,550, debt €41,600−€41.6k€105,150Openingnet worthIncomeSpendingInvestmentreturnPropertyrevaluationClosingnet worth
Swipe or scroll the chart · Exact figures below
End columns: assets above zero, debt below. Navy ticks mark net worth.
See the wealth breakdown
Fictional asset and debt positions, EUR
PositionOpeningClosing
Property€100,000€103,000
Investments€20,000€27,200
Cash€10,000€16,550
Debt€44,000€41,600
Net worth€86,000€105,150

€6,000 moved from cash to investments and €2,400 repaid debt principal. Both are reallocations, not expenses or extra wealth gains. Returns shown here exclude separately modelled fees or taxes.

€19,150 added to net worth: €14,950 from income after spending, plus €4,200 from investment returns and property revaluation.

Clarity opens up possibilities

What could you
do differently?

An adviser helps interpret this picture with you. Next, explore what different choices could mean.

Next: The Paths Speak with an adviser →