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The Finance Roadmap

A step-by-step UK personal finance flowchart. Follow the path in order — every decision leads to the right next step.

Progress0/22 steps
Phase 1 · The Essentials
Phase 2 · Security & Short-Term
Phase 3 · Tax Efficiency
Phase 4 · Long-Term Wealth
Phase 5 · Advanced & Legacy
Phase 1 · The EssentialsPhase 2 · Security & Short-TermPhase 3 · Tax EfficiencyPhase 4 · Long-Term WealthPhase 5 · Advanced & LegacyYesNoNoYesNoYesNoYesYesNoMonthly income receivedAfter tax (£)Build a budgetSubtract fixed costs◇Money left over?Review expensesCut costs · seek debt adviceEmployer pension matchGet the full match first◇High-interest debt >10%?Credit cards · overdraftPay off aggressivelyAvalanche methodStarter emergency fund£1,000 or 1 month essentialsFull emergency fund3–6 months essentials◇Buying a home within 5 yrs?Open a Lifetime ISA25% govt bonus · max £4k/yrIncome & life protectionEspecially with dependents◇40% or 45% taxpayer?Increase pension contributionsSIPP · cut taxable incomeMaximise ISA allowance£20,000/yr · tax-free growthStocks & Shares ISAGlobal index funds · 10+ yrs◇Mortgage rate > expected return?Overpay mortgageGuaranteed risk-free returnContinue investingS&S ISA · pensionGIA or buy-to-letAfter ISA + pension maxedEstate planningWill · LPA · beneficiariesAnnual rebalancingReview · adjust · repeat

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Phase progress

Phase 10/7
Phase 20/5
Phase 30/4
Phase 40/4
Phase 50/2