There is a cost to later.
Estimated excess spend to date
£5,400
Potential annual saving
£1,800/yr
Projected saving over 5 years
£9,000
Client case study
On average, clients save £500 in their first session. One client saved over £4,500 a year — found across subscriptions, bills, and services she hadn't had time to review in years.
These are estimates based on your inputs. Results depend on your individual circumstances and are not guaranteed.
Value after inflation (2%)
£9,039
Estimated value if invested (7%)
£14,026
Potential growth difference
£4,987
Client case study
Leaving money in a savings account feels safe, but inflation reduces its value every year. The same money invested in a Stocks and Shares ISA grows tax-free — and the annual allowance is £20,000. Every year without one is a year of that allowance you cannot get back.
S&S ISA figures use a 7% average annual return, a common long-term estimate for a global index fund. Cash figures use 2% annual inflation. Past performance is not a guarantee of future returns. This is not financial advice.
Total pension value today
£30,000
Left where it is (2% growth)
£44,578
Combined & invested (5% growth)
£197,361
Client case study
We tracked down two pension pots worth £30,000, consolidated them, opened a Self-Invested Personal Pension, and secured a £1,000 cash bonus from Hargreaves Lansdown. For founders, pension contributions made through your company can also reduce your corporation tax bill.
Pension figures use 5% average annual growth for a reviewed fund, and 2% for a default fund left unmanaged. These are illustrative only. Pension tax rules depend on your individual circumstances. This is not financial advice.