Big questions, answered on your own numbers.
A journey starts with the question on your mind, asks only what your plan can't already tell it, and ends on an answer you can keep.
Overpay my mortgage or invest?
Over 10 years, £200 a month plays out two ways.
Overpaying leaves the mortgage at £80,352. Investing in a Stocks and Shares ISA could be worth £48,768.
Your 4.50% mortgage rate is contractual, so the overpayment saving is close to certain. Investment growth is an assumption, not a promise.
Every journey ends here: a sentence, the levers that move it, and the working underneath.
Questions Doughsense helps you answer
When can I retire?
Turn a vague hope into a date you can defend. The guided retirement journey asks a handful of questions and answers with your projected date, on your real numbers.
Can I afford this house?
See whether a house fits your finances before you fall in love with it. The guided journey works out the deposit, stamp duty, and mortgage, and shows what it takes to get there.
Overpay the mortgage or invest?
The eternal question, answered on your own numbers. Three questions build both futures side by side and show which one leaves you better off.
The answer becomes your plan
A journey's changes are staged, not thrown away. Keep them and they rewrite your real plan: the contribution, the account, the date. Then Home keeps checking the answer still holds as life happens.
On your current path, you reach financial independence around 2058, at 63, and your money lasts past 95.
Home, the morning after you keep a journey's changes.
A projection, not a prediction
Every answer is a projection built on assumptions you can see and change. It states what it assumes and what it doesn't model, the maths is the same engine we document openly, and you can stress-test it against 250 simulations drawn from a century of market data.
Read how projections work