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Good morning, Mia 👋
Total Balance
£3,420 .50
↗ +2.4% this month Mar 2026
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Financial Health See Plan ›
74
/ 100
Fair
Financial Health
This Month
Income £2,400
Spent £1,870
M T W T F S S
£530 saved this month
Emergency buffer low
Covers 1.2 months · target is 3
Pulse AI has 3 recommendations
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›
Savings Pots All pots ›
🛡
Emergency Pot
40%
£1,200 / £3,000
🎯
First £1K
Done ✓
📈
Safe to Invest
42%
£840 / £2,000
Portfolio
£4,280
📈 +3.2%
3 holdings · Mar 2026
74
/ 100
Fair
Your plan is working.
One key area needs attention — your emergency buffer.
68 Savings
40 Emergency
82 Debt
71 Spending
Score Breakdown Updated today
Savings Rate 68 / 100
Saving 22% of income · target is 25%
Emergency Fund 40 / 100
1.2 months covered · aim for 3 months
Debt Ratio 82 / 100
Low debt relative to income · great
Spend Stability 71 / 100
Minor overspend on dining out this week
Highest-impact fix

Building your emergency buffer to 3 months would lift your FHI by an estimated +12 points.

Pulse analyses your spending, savings, and goals weekly. Recommendations update automatically.

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🛡
Emergency Pot
Safety net
40%
£1,200 / £3,000 Target Aug 2026
+£200/mo
🎯
First £1K ✅
Milestone
100%
£1,000 / £1,000 🎉 Complete!
📈
Safe to Invest
Investment buffer
42%
£840 / £2,000 Target Oct 2026
+£150/mo
✈️
Holiday Fund
Barcelona 🇪🇸
43%
£340 / £800 Target Jun 2026
+£80/mo
£4,280.00
↗ +3.2% all time
NovDecJanFebMar
Markets dipped -1.2% this week
Your portfolio is built for the long run. Short-term moves rarely matter — check your plan, not the news.
Holdings Manage ›
Global Index
Vanguard FTSE All World
£2,568
+4.1%
UK Bonds
iShares Core UK Gilts
£1,070
+0.8%
Cash Reserve
Easy Access ISA
£642
+3.5%
Allocation Low risk
Global Stocks
60%
UK Bonds
25%
Cash Reserve
15%