Building the clearest household finance planner
This is the public direction for The Spreadsheet. It shows what is being worked on, what is likely next, and what is intentionally not planned yet.
Directional, not a delivery promise. Last reviewed July 2026.
Next 3 months
Ask early whether someone is planning alone or with a partner, then route them into the right setup.
Make the dashboard snapshot controls consistent, predictable, and easy to recover from.
Show which parts of a household picture are current, stale, or missing.
Start showing movement in net worth, debt, savings, goals, and Financial Level.
Give users a portable, machine-readable copy of the records they have entered.
Turn empty areas into clear setup paths instead of dead ends.
Next 6-9 months
A focused household review for what changed, what needs updating, and what to look at together.
A clean, shareable snapshot for partners, advisers, mortgage brokers, or personal records.
Decide whether FIRE should become its own public tool or a deeper mode inside the retirement planner.
Explore whether credit score and report data can help households understand borrowing readiness without becoming credit advice.
Track how a household score changes over time and explain the main drivers.
Show the long-term movement of household assets and liabilities.
Make savings goals feel alive by showing how they moved month by month.
Make invite status, sharing expectations, and next steps clearer.
Show exactly what is personal, what is household, and what other members can see.
Next 12-18 months
A structured way for trusted agents to read household finance snapshots safely.
A well-scoped data model that can answer household finance questions without exposing unnecessary data.
Keep monthly snapshots so households can see how their picture changes over time.
Paid features only after the core household experience is strong enough to justify them.
Optional bank connectivity only if it clearly improves the household planning experience.
Ideas and requests
Small at-a-glance household indicators for phones.
Light collaboration around records, goals, and monthly reviews.
A recurring checklist for updating income, bills, goals, debts, pensions, and insurance.
Optional reminders for monthly reviews, renewals, and stale records.
Explore whether future pension data connections can reduce manual entry.
A structured export for mortgage brokers, advisers, or planning conversations.
Expand beyond UK-first defaults when there is clear user demand.
How can you help?
The best roadmap input is a real household problem: what you tried to understand, where the app got confusing, or what you wanted to share with someone else.