CMS reassessment lower
Tests the Andy-side plan if the CMS line reduces after reassessment.
Surplus delta
£200
Outgoings delta
-£200
Runway delta
+0.0 mo
Assumptions
- CMS changes to £350/month.
Missing inputs
None for this scenario.
Scenarios
Compare choices without changing the plan
Each scenario starts from the approved baseline, applies only the listed assumptions and calculates the impact separately. It does not change Home, Plan, Cashflow or Goals.
Baseline used for comparisons
Source: local private real-data import. Saved scenarios remain separate overlays.
After goals
-£375
Outgoings
£5,879
Runway
0.1 mo
Ready
CMS stress case
Tests the cash-flow impact if the CMS line rises above the current approved baseline.
Surplus delta
-£150
Outgoings delta
£150
Runway delta
-0.0 mo
Assumptions
- CMS changes to £700/month.
Missing inputs
None for this scenario.
One-salary target
Shows what changes if the financial-freedom target is set at £2,500/month.
Surplus delta
£0
Outgoings delta
£0
Runway delta
0.0 mo
Assumptions
- Freedom replacement target changes to £2,500/month.
Missing inputs
None for this scenario.
Accessible investments
Prepared for investment-income modelling; blocked until balances are entered.
Surplus delta
£0
Outgoings delta
£0
Runway delta
0.0 mo
Assumptions
- Accessible investments produce 4% annual income.
Missing inputs
- Accessible investment balance
Rental purchase
Prepared for Blackpool/rental modelling; blocked until property economics are entered.
Surplus delta
£0
Outgoings delta
£0
Runway delta
0.0 mo
Assumptions
- Include baseline rental property cash flow.
Missing inputs
None for this scenario.
Custom scenario editor
Change only the assumptions below. The approved baseline stays unchanged.
Save a scenario
Saves the selected template and ordered overrides to Supabase when auth is enabled. It will not adopt the scenario into the plan.
Saved scenarios
Demo mode is read-only. Saved scenarios will appear here once auth is enabled.
No saved scenarios yet.
Comparison table
Positive deltas improve the metric unless the row is outgoings.
| Scenario | Monthly surplus | Outgoings | Runway | Freedom |
|---|---|---|---|---|
| Approved baseline | -£375 | £5,879 | 0.1 mo | 12% |
| CMS reassessment lower | £200 | -£200 | +0.0 mo | 0.0 pts |
| CMS stress case | -£150 | £150 | -0.0 mo | 0.0 pts |
| One-salary target | £0 | £0 | 0.0 mo | 0.0 pts |
| Accessible investments | £0 | £0 | 0.0 mo | 0.0 pts |
| Rental purchase | £0 | £0 | 0.0 mo | 0.0 pts |
Inputs still needed for stronger scenarios
Jaybee income and recurring costs
Home value and mortgage balance
Investment and pension balances
Blackpool rent, mortgage and operating costs