Current Position
Dashboard
Active Recommendations
Three actions only; each has an amount, deadline and next stepFinancial Close
Whether reported balances and recorded activity are ready to trustGoals
Deposit and FIRE progressAllocation
Current and including vestingPortfolio Observations
Current facts against your saved policy, not instructions to tradeSuggested Monthly Flow
From adjusted monthly savingsData Quality & Open Issues
Unresolved evidence gaps, kept separate from recommendationsShow data-quality issues
Monthly Review
Financial Close
Close This Month
Confirm each provider balance, explain differences, then save a dated snapshot1UpdateRefresh prices and FX
2ConfirmEnter provider balances
3ReviewResolve unexplained differences
4CloseSave the evidence snapshot
Close Briefing
Automated checks, movement since the prior close and the next actionAccount Reconciliation
Reported balances control; recorded activity and residuals remain visibleFor cash accounts, an unexplained difference means the imported activity does not bridge from the previous close to the reported balance. For investments, the residual includes market performance and FX until provider-level performance is imported. The first close establishes an opening anchor rather than claiming a historical reconciliation.
Close History
Saved evidence snapshots; latest firstAction Plan
To Do
Next
Do these firstLater
Useful after the foundations are completeCompleted
Saved Comparisons
Scenario Workspace
Decision Workspaces
The three decisions with the largest current financial impactSaved Scenarios
Compare location, compensation, spending and time horizon without changing the main modelDecision Comparison
All scenarios start from the same current vested portfolioEach saved scenario uses the selected location's existing employment-tax engine. Current vested wealth compounds at the saved portfolio return; annual savings are added at year end and compound thereafter. This comparison excludes one-off moving costs, property purchases and severance unless they are modeled in their dedicated views.
Employer Stock Decision
TTWO Plan
Assumptions
Editable · nothing here changes your saved dataCash Flow
Income And Expense Tracker
Account Balances
Balances are dated and show whether they are statement-verified or estimatedView
Filters change every summary, chart and table belowMonthly Cash Flow
Salary and reimbursements are shown separately from expensesMonthly Income By Category
Salary, other income, reimbursements and refunds; internal transfers are excludedMonthly Expenses By Category
Hover over each segment for gross, reimbursement and net amountsFilter categories
Known refunds and repayments reduce their matching category first. Up to €500 of Partner's monthly contribution reduces Housing; only unidentified reimbursements are spread across other expenses.
Average Monthly Mix
Completed months onlyIncome By Category
Net salary and bonus shown separately, plus other income and reimbursementsIncome Excluding Bonus
Average income with identified bonus payments excludedSpending By Category
Click a category to inspect it; exclude it from totals without deleting transactionsCategory Drill-Down
Select a categoryLocation And Trips
Review spending by inferred location or holidaySpend By Category
Spend By Place
Show transactions
| Date | Merchant | Place | Category | EUR value |
|---|
Monthly Income And Expenses
Gross expenses, reimbursements and net expenses remain visibly separateShow monthly income and expense table
Investment Cash Flows
Investment activity is kept separate from ordinary income and expenses
These amounts explain how cash moves through investment accounts. They do not change the income, expense or net-cash-flow totals above.
Show monthly investment cash-flow bridge
Show supporting investment transactions
Verification And Source Coverage
How each total traces back to the uploaded statementsKnown gaps and estimation choices
Cash-Flow Ledger
· Edits here feed the totals, charts and category views aboveSource Of Truth
Holdings
Total Holdings
Complete current portfolio, before scenario-only items and unvested awardsPortfolio Distribution
Vested portfolio and the effect of unvested awardsGain And Sale Estimate
Known-basis assets, using Spanish savings-tax ratesConcentration & Look-Through
Your true exposure once diversified funds are seen through to what they holdListed Share Performance
Share positions and cost basis; excludes cash, Indexa funds, pensions and managed accountsRules
Targets
Income & Savings
Tax
Income
Compensation & Tax
Compensation Assumptions
Salary, bonus, stock, expenses, ESPPTax Assumptions
Editable defaultsWhat-if Scenario
Test changes without touching your saved data or the rest of the toolSummary
Barcelona estimate from the assumptions aboveAnnual Tax Breakdown
Hover for valuesCompensation & Tax Detail
P&L from employer cost to savingsIRPF Bracket Math
State and Catalonia bracketsShow bracket math
Tax Reference
Assumptions used by the modelShow tax reference
Forward Plan
Life Projections
Employment Risk
Layoff Simulator
Dismissal Assumptions
Spain-wide employment law, with Barcelona IRPF treatmentTiming Scenarios
Project service and compensation before the dismissal dateSeverance P&L
Core salary basis and a separate wider case using stock income recorded at vestingWhat This Includes
Planning estimate, not a guaranteed settlementModeled
Unfair-dismissal indemnity at 33 days per year, monthly service proration, the 24-month cap, the €180,000 IRPF exemption ceiling and estimated tax on any excess.
Not included
Final salary, unused holiday, unemployment benefits, legal fees, notice, garden leave, grant-date values and the company-specific treatment of unvested awards.
Important condition
The 33-day payment assumes an indemnity outcome for an unfair dismissal. Tax exemption also depends on the dismissal and its recognition satisfying the statutory conditions.
Sources: Workers’ Statute, Article 56, AEAT dismissal exemption, CGPJ salary calculation guide.
Forward Plan
Life Projection
Bear / Base / Bull Comparison
Final projected year, at your assumptions +/- a market stress deltaRange Of Outcomes
1,000 repeatable simulations using the return uncertainty entered aboveGoal Settings
Feeds the dashboard and base-case nominal projectionCurrent Buckets
Starting balance sheet and growth assumptionsYearly Savings P&L
Annual flows from gross salary to new balance sheet assetsShow yearly P&L table
Balance Sheet Projection
Hover bars for valuesShow yearly balance sheet table
FIRE Drawdown Projection
Compares continued saving with retirement withdrawalsHousing During FIRE
Linked to the selected home purchase and mortgage calculatorShow yearly FIRE drawdown table
How the FIRE calculation works
FIRE Across Work Locations
Same compensation and starting assets, with local employment taxes and living costsShow location assumptions and FIRE timing
How the location comparison works
What If
Life Moves
Scenario Inputs
Edit compensation and living costs in local currencySide-by-side Comparison
Everything converted to EUR. Barcelona (current) is the baseline.Annual Savings Potential (EUR)
Net income minus living costs, converted at the scenario FX rate. Hover for values.Projected Wealth After Move
Current assets and newly accumulated assets shown separatelyWealth Growth By City
Same opening portfolio, with each location's projected savings added over time. Hover points for values.Wealth By Year
Closing balance split between assets owned today and assets accumulated after movingWhen To Move To Glasgow
Same compensation in every location; includes modeled income tax and Catalonia wealth taxHow the timing comparison works
Planning for a Child
Compare leave income, childcare support and the costs your household would still payEntitlements, assumptions and sources
What The Comparison Includes
Tax scope and the most important limitation for each locationSavings & Wealth
Investment Tax
Tax Optimiser
Ranked, euro-quantified moves from your holdings, transactions and targets — estimates, not advice to actTTWO Sale Planner
Compare permitted post-earnings windows and quantify whether crossing tax years is worthwhileDividend & Interest Income
Feeds the Spanish savings-income tax base alongside any capital gainsRealized Gains From Transactions
FIFO lots converted to EUR on each transaction dateUnrealized Gains by Holding
Based on cost basis entered on the Holdings viewShow holding-by-holding gain table
Catalonia Wealth Tax
Impuesto sobre el Patrimonio estimateShow wealth-tax bracket calculation
Stock Discipline
Watchlist
Asymmetric Opportunity Funnel
Research registry not yet generatedDecision Board
Scenario values are screen-grade estimates; sources and missing work stay visibleSignals
From the latest research snapshotPriority Research Cards
Highest-priority names first, with the variant view and first rejection testPersonal Overrides & Notes
Your notes remain browser-saved; research stages and evidence come from the registryProperty
Mortgage Calculators
Mortgage Calculator
Barcelona and Scotland purchase scenariosPayroll History
Payslips
Total Compensation Growth
Base, bonus and stock (RSU/ESPP) per year, from imported payslips — how your income has evolvedModel Check
Latest imported payslip year vs current compensation assumptionsAnnual Payroll Trend
Hover for valuesMonthly Gross To Net
Stacked by payroll componentMonthly Payslips
Months run left to right; hover any value for its calculationExtraction Notes
Files needing cautionHistory
Transactions
Account Coverage
What is exact, statement-derived, or still missingIndexa Reconciliation
Cash movements, fund trades, and linked bank transfersMissing documents and next imports
Transaction Ledger
Filter and inspect all recorded investment activityNo transactions have been loaded yet.
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