Your Money or Your Life
Life energy tracking & financial independence progress
FI Progress
Target: £2,000,000.00 at 4% SWR
£0.00 invested0.0% — £2,000,000.00 to go
Set your Real Hourly Rate in Settings to see life-hours breakdown
No MOYL data yet — add monthly entries via Settings
Historic Baseline
2015-06 → 2021-06 · 73 months · from MOYL chart (2015–2021)
Avg monthly income
£5,254.52
Avg monthly expenditure
£6,516.00
Total income (6 yrs)
£383,580.29
Total expenditure (6 yrs)
£475,667.88
| Category | Historic monthly avg | 6-yr total |
|---|---|---|
| Utilities (Gas/Electric/Water) | £2,031.11 | £148,270.67 |
| Miscellaneous | £847.57 | £61,872.63 |
| Food & Groceries | £767.26 | £56,010.01 |
| Transport | £698.33 | £50,978.06 |
| DIY & Home Improvement | £541.47 | £35,195.49 |
| Professional Development & CPD | £347.96 | £25,400.98 |
| Clothing | £348.68 | £20,572.10 |
| Personal Care | £226.60 | £14,502.61 |
| Eating Out & Hospitality | £151.93 | £10,938.61 |
| Other Income | £192.75 | £9,252.19 |
| Holidays & Travel | £182.43 | £9,121.74 |
| Entertainment & Days Out | £102.91 | £7,512.35 |
| Insurance | £121.99 | £6,343.35 |
| Gifts | £138.58 | £6,097.52 |
| Bank Fees & Overdraft | £67.19 | £4,904.80 |