Free guide
The Navinua Financial Baseline: the one-page control panel
Financial complexity arrives wearing the clothes of success: salary, bonus, employer shares, pensions, investments, perhaps property. This guide gives every important number a place, every estimate a confidence label and every pool of money a job — before you decide what to optimise.
What’s inside
Cashflow: the monthly engine
Normal net income, normal spending, committed saving — and the surplus the household actually creates after a normal month.
Liquidity: what is genuinely available
Accessible cash vs earmarked cash vs invested and restricted assets — and the buffer measured in your own core expenses.
Pensions: long-term wealth on today's page
Pillar 2, Pillar 3a, vested benefits and foreign entitlements — recorded, labelled, never mistaken for spendable cash.
Investment readiness
Capacity, buffer, horizon and competing goals — the checks that come before any portfolio question.
Property, if it is a goal
What a purchase would consume, what should remain afterwards, and the opportunity cost — with an off switch if you rent happily.
The confidence column
Every important number marked Confirmed, Estimated or Unknown — and the question worth answering next.
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