Income · Bank accounts · Costs · Debts · Your plan, built as you type · All amounts in AED
Where do you live?
How to use this in five minutes:
Income: what lands in your account each month after tax.
Bank accounts: current balances. This is your cash. We compare it to the emergency fund target later.
What you own: optional. Property, pensions, investments, crypto. Rough numbers are fine.
Monthly fixed costs: bills that hit every month at roughly the same amount. Rent (if monthly), DEWA, internet, phone, gym, subscriptions.
Variable / lifestyle: roughly what you spend on groceries, eating out, taxis, fun.
Sinking funds: anything not paid monthly. Yearly rent, car insurance, medical insurance, holidays, clothes. Enter the cost, how often it's paid, and when it next falls due. The tool splits it into a monthly amount plus a one-off catch-up if you're already part-way through the cycle (e.g. medical insurance bought 2 months ago, you need to backfill 2 months of contributions today).
Debts: credit cards, loans, car loans. The monthly payment counts as an outflow.
What the plan tells you, in priority order:
Clear high-interest debt first. Anything at 15% APR or more (most credit cards). The interest you save usually beats investment returns, so there is rarely any point investing while you carry it.
Then build a 3-month emergency fund. Three months of essential spending sitting in cash. Red bar until you've covered it, green once you have.
Then put protection in place. Personal life and critical illness cover, plus a will. Get these in place before building on top.
Then invest. The Investable Capital box stays locked until all of the above are in place. Once it unlocks, that's the money you can invest.
Monthly Income
Net take-home, after tax and deductions. Add a row for each income stream.
Source
Monthly (AED)
Total monthly income
0
Bank Accounts & Cash
Current balances across your accounts. This is your liquid cash, used to check whether your emergency fund is already covered.
Account
Balance (AED)
Total cash
0
What You Own · Optional
Rough values are fine. Property, pensions, investments, crypto, a business. It changes what the right plan looks like, so the more of this you fill in, the more useful my reply is.
Asset
Type
Value today (AED)
Total other assets
0
Monthly Fixed Costs
Costs paid every month at roughly the same amount. Rent (if monthly), DEWA, internet, phone, gym, subscriptions.
Anything not paid monthly. Yearly rent, car insurance, medical insurance, holidays, clothes. Enter the cost, how often it's paid, and when it next falls due. The planner calculates the monthly amount and any catch-up top-up needed if you're already part-way through the cycle.
Item
Cost (AED)
Frequency
Next due
Monthly / catch-up
Total monthly into Spaces
0
One-off catch-up needed today
0
Debts & Loans
Credit cards, personal loans, car loans. If you put your mortgage here with its balance, take it out of fixed costs so the payment isn't counted twice. High-interest debt (15% APR or more) is flagged in the plan.
Name
Balance (AED)
Monthly pay
APR %
Total balance
0
0
Your Plan · updates as you type
Updates as you edit. Numbers in AED unless stated.
Monthly income
0
Total monthly outflow
0
Monthly surplus / deficit
0
Emergency fund target (3 mo)
0
Net worth (cash + assets, less debts)
0
Emergency fund: not yet funded
0%
0 of 0AED
Build this up before investing. Your monthly surplus goes here first.
Foundations · do these in this order
1
Clear high-interest debt
Anything at 15% APR or more, typically credit cards. Pay these off before saving or investing. The interest you save usually beats investment returns.
pending
2
Emergency fund · 3 months
Three months of essential spending sitting in cash (your Wio main balance). Don't touch unless you lose income or face a real emergency.
pending
3
Life & critical illness cover
Protect your income before building assets. A starting point for a quote: two years of outgoings = 0AED. The right sum depends on dependants, debts and income, so treat this as a floor. Pricing depends on age, health and smoker status, so a quote is the only way to know. Shop around with a UAE insurance broker, or ask me.
4
Will in place
DIFC, ADJD or home-jurisdiction will covering UAE assets and guardianship of any children. Without one, UAE intestacy defaults apply to assets here.
5
Invest the surplus
Only once steps 1-4 are in place. Your investable capital appears in the box below.
locked
Investable capital · locked until emergency fund hit
Lump sum available now
0
Monthly going forward
0
Once your cash covers the emergency fund target, the surplus above target becomes investable as a lump sum, and your monthly surplus becomes investable each month.
How to set this up
A
Open a Wio account
UAE digital bank, free, ~10 minutes via the app with your Emirates ID. Wio's "Saving Spaces" let you ringfence money inside one account so holiday money doesn't get spent on rent. Target for the emergency fund: 0AED.
B
Create these Spaces inside Wio
One Space per non-monthly cost. Set a single standing order from your salary account into Wio each payday and distribute into each Space.
Space name
Monthly
Months left
Top-up today
Add non-monthly costs above and they'll appear here.
Total to fund Spaces
0
0
"Top-up today" is the cumulative amount that should already be in each Space if you started funding it from the last renewal. Transfer it as a one-off, then your monthly standing order keeps each Space on track.
C
Set up your monthly money flow
Set it up once and it runs on its own.
Salary lands in your main account0
Keep in main for day-to-day (fixed + variable)0
Debt payments0
Standing order to your Wio Spaces (sinking funds)0
Surplus to savings for emergency fund, then investing0
One-off top-up today: Transfer 0AED into your Wio Spaces now to cover months already elapsed for items already part-way through their cycle. After that, the monthly standing order alone keeps each Space funded.
You're in deficit. Your outflows exceed your income by 0AED a month. Check the numbers, then look at what you can trim from variable spending until this turns positive.
High-interest debt flagged: One or more debts are at 15% APR or more. Paying these down usually beats investment returns. Prioritise these before building anything beyond a small emergency buffer.
Send this to Ari
Your name and email, that's it. You get the plan as a PDF, I get a copy, and if something in it is worth a conversation I'll reply myself. No mailing list, no sales call.
By sending, you're happy for me, Ari Vinotharajah (Ari Wealth, part of NEBA Private Clients Financial Advisors LLC), to keep these numbers so I can reply. I don't share them or add you to a list, and you can ask me to delete them any time, by email or WhatsApp. Privacy.
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