- Surface 05 - Timeline

Your financial life,
year by year.

Timeline turns pensions, mortgage dates, tax-year windows, life events, estate planning, and family milestones into one view. It is the map the Decision Engine and Ask refer back to.

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Life in years Event types What-if changes Decision Engine Ask
- Life in years

The view most tools miss.

Net worth is useful, but timing is where life gets complicated. Timeline shows when money becomes accessible, when bills arrive, when rules change, and where your family plan has pressure points.

2026 CSV + statement scan setup First model built from manual, CSV, and scanned statements.
2027 Mortgage refix + pension IHT change Rate shock and April 2027 pension estate treatment both visible.
2031 School fees / family support window Cashflow overlap before retirement contributions peak.
2044 Retirement decision window Earliest comfortable date, stress case, and trade-offs side by side.
2060+ Estate and legacy review Gifting, trusts, beneficiaries, and tax-year reviews stay visible.
Timeline events
Not just birthdays and retirement.
Sonuswealth tracks tax-year deadlines, pension access ages, mortgage fixes, insurance renewals, salary changes, ISA windows, gifting clocks, estate reviews, and family milestones in one place.
Tax years
Rules move by date.
Allowances, pension carry-forward, gifting clocks, and April rule changes sit where they happen.
Family context
Life drives the money.
Children, parents, care, property moves, and legacy decisions can sit beside the numbers.
- What-if changes

Move one event. See the knock-on effects.

The point is not a pretty calendar. Drag a retirement date, add a gift, change a mortgage rate, or bring forward a family support cost. The connected surfaces re-run so the consequence is visible.

Sonu explains the change
"This date moved your weak point."

When an event shifts, Sonu can explain the year that became tight, the source of the change, and which surface to inspect next.

See the years before you make the call.

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v0.5 site