MILLIONSWORTH FINANCIAL SERVICES
Where Does Your Money Really Go?
Think you know how much you spend every month? Let's find out.
No login or contact details required. Your entries are automatically saved on this device when browser storage is available, allowing you to continue later.
Never enter passwords, PINs or OTPs. Your financial details and date of birth are not sent to analytics or shared with Millionsworth.
Saved information is not automatically available on other devices. Other people using this browser profile may be able to access it.
Choose the currency used for all amounts in this assessment. This does not convert currencies.
How much do you think your household monthly expenses are?
Let's start with your best estimate.
No calculations needed. Just enter what you believe your household typically spends in a month.
Later, we'll look at the details and see how close your estimate was.
Exclude loan EMIs and investments. We'll ask about those separately.
Enter 0 if you do not have any EMIs.
Only include amounts from your take-home income, not payroll deductions already excluded from it.
Let's take a closer look at where your money goes.
Use the amounts you know. Leave uncertain items blank; entering 0 means you checked and spend nothing there.
Keep the totals clean. Do not repeat EMIs, investments or credit card repayments when the purchases are already listed. For irregular expenses, enter your estimated annual total.
Which expenses will continue after you retire? Tick the expenses you expect to have after retirement. Untick those that will stop.Your choices affect your estimated retirement expenses, not your current monthly spending.
All amounts entered. Moving to the next category…
Review Your Expenses
Have you reviewed all your household expenses?
Please check regular expenses and payments made occasionally or once a year. Optional amounts may be left blank. Omitted expenses can make your estimated surplus and retirement readiness appear more favourable than reality.
Just two final questions before we reveal your results.
We use your age only for an illustrative retirement expense calculation.
Match the scope of your expenses. For household expenses, use combined household take-home income. Enter 0 if none.
Where Does Your Money Go?
An estimate from the figures you entered, not a verified account statement.
Download your Cash-Flow Review, including retirement and family protection findings where completed.
This report contains personal financial information. Please store it securely.
Your Monthly Retirement Contribution
Your total monthly savings and investments from take-home income:
Include only the portion of your monthly savings and investments intended for retirement. Enter 0 if none. Exclude employer contributions and amounts deducted before take-home pay.
Your edit has not been applied. The current results and PDF still use the previously confirmed amount.
Plan for Your Family's Income Continuity
Your family's everyday expenses, children's education and other responsibilities may continue even if you are no longer there.
Have you considered how these commitments would be met?
This optional assessment stays in this browser. Your answers are not sent to analytics or a quotation provider.
Download your Cash-Flow Review, including retirement and family protection findings where completed.
This report contains personal financial information. Please store it securely.
This is an educational financial-awareness exercise based on information you provide and illustrative assumptions. Results are estimates, not personalised investment or financial advice.