Propane
Back to resources
Money
Personal Finance
Plan expenses, client timeline, net worth, and property growth in one place.
Loading…
Propane
Money
Plan expenses, client timeline, net worth, and property growth in one place.
Freedom number
Work out your monthly freedom number, client target, and timeline to reach it.
Future
Track income, expenses, investing, property, and long-term runway in one place.
Used when you do not own a primary home.
Additional rental properties
Current runway
0.6 yrs
Months of expenses covered
Target portfolio for exit velocity
£990,000
~29 yrs, 6 mo to reach target
Projected net worth (yr 10)
£147,786
Investments + cash (yr 10)
£147,786
Property equity (yr 10)
£0
Balanced
Your fundamental ratios look balanced. No immediate concerns in spending or yield distribution.
Assets
Model property scale, refinancing cadence, yield, and passive income over time.
How it works. We buy properties at the target LTV. Between refinances, debt stays flat while values grow. At each refinance interval, we mortgage back up to target LTV and use the released cash as deposits to buy more properties.
| Year | Total Value | Total Debt | Total Equity | Prop Count | LTV After |
|---|---|---|---|---|---|
| Year 0 | £400,000 | £300,000 | £100,000 | 1.0 | 75.0% |
| Year 5 (Pre-Refi) | £525,266 | £300,000 | £284,320 | 1.0 | 57.1% |
| Year 5 (Post-Refi) | £1,137,282 | £852,961 | £284,320 | 2.2 | 75.0% |
| Year 10 (Pre-Refi) | £1,493,440 | £852,961 | £808,381 | 2.2 | 57.1% |
| Year 10 (Post-Refi) | £3,233,526 | £2,425,144 | £808,381 | 4.7 | 75.0% |
| Year 15 (Pre-Refi) | £4,246,156 | £2,425,144 | £2,298,394 | 4.7 | 57.1% |
| Year 15 (Post-Refi) | £9,193,576 | £6,895,182 | £2,298,394 | 10.1 | 75.0% |
| Year 20 (Pre-Refi) | £12,072,690 | £6,895,182 | £6,534,805 | 10.1 | 57.1% |
| Year 20 (Post-Refi) | £26,139,221 | £19,604,415 | £6,534,805 | 22.0 | 75.0% |
| Year 25 (Pre-Refi) | £34,325,133 | £19,604,415 | £18,579,790 | 22.0 | 57.1% |
| Year 25 (Post-Refi) | £74,319,161 | £55,739,370 | £18,579,790 | 47.6 | 75.0% |
| Year 30 (Pre-Refi) | £97,593,386 | £55,739,370 | £52,826,151 | 47.6 | 57.1% |
| Year 30 (Post-Refi) | £211,304,602 | £158,478,452 | £52,826,151 | 103.0 | 75.0% |
| Year 35 | £277,477,995 | £158,478,452 | £150,195,571 | 103.0 | 57.1% |