- Real numbers

The questions people actually ask,
worked with actual arithmetic.

This section exists to answer common UK money questions the way an analyst would: named assumptions, a versioned rules bundle, machine-checked sums, and an honest list of what the numbers cannot tell you. Fictional personas, real rules.

Browse the examples
- The library

Four worked examples.

Each page follows the same discipline: the assumptions come before the numbers, every figure traces to rules bundle UK-2026.1.1 (2026/27), the arithmetic is machine-checked, and the "it depends" factors are listed rather than waved away.

Pot longevity
How long does £250k, £500k or £1m actually last?
Three pot sizes, three spending levels, a growth sensitivity band, the state pension offset, and the care-cost caveat nobody models.

Table + sensitivity · 5 min read
One decision
Pay off the mortgage or fund the pension?
Priya and Dan's £500 a month, worked both ways: £27k of guaranteed interest saved versus a pot built with 40% tax relief. Both bars shown, plus the six it-depends factors.

Worked comparison · 6 min read
Full persona
Meera is 59 with £750,000. What does her timeline look like?
Tax-free cash and the £268,275 cap, the MPAA trap, state pension at 67, the April 2027 estate change, and the drawdown-or-annuity fork, in date order.

Timeline walk · 8 min read
UK + India
Ravi sells his Mumbai flat from London.
TDS withheld on the full price, LTCG at 12.5%, the UK recompute in sterling, the treaty credit, and the USD 1m repatriation cap, step by step.

Cross-border walk · 7 min read

Information and guidance only. Not personal advice. Every example uses fictional personas and illustrative assumptions. Investment values can fall as well as rise. Verify decisions with a qualified FCA-authorised adviser before acting. Published 7 August 2026 · figures last verified 7 August 2026 against rules bundle UK-2026.1.1 (2026/27).

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Sonuswealth is pre-launch. These pages use fixed personas; the app runs the same engine on your actual numbers.