Monthly Allocator
Log every inflow as it arrives. Mandatory bills auto-deduct from the salary window. Ad hoc income gets deployed immediately to priority items. Running total tracks what's left.
Inflows — March 2026
Kanha Holdings — salary
USD
Salary
Kanha Holdings — dividend advance
USD
Salary
Total inflows
$0
Salary window
$0
Ad hoc available
$0
Mandatory payments From salary window
M
Amex Centurion — full balance due 26th every month
Full balance must clear. Charge card — no revolving credit.
£1,721
≈ $2,176
$
✓
M
MBNA — minimum payment 23 Mar
£82.90 minimum. Pay more when possible — balance near limit.
£82.90
≈ $105 min
$
✓
M
Amex BA Premium Plus — minimum 21 Mar
£82.39 minimum. Balance £4,874.
£82.39
≈ $104 min
$
✓
M
Shruti — Kenya household Family
Minimum $5,000 · Target $10,000.
$5,000 min
$10,000 target
$
✓
Deployments Deploy as money arrives
How this worksWhen ad hoc income comes in, log it above and deploy it here immediately. You don't need to wait for month-end. Mandatory items are covered from the salary window. Anything left over from salary also flows here.
1
Binance — top up margin hedge
See Binance Hedge page for required amount. Priority when BTC position needs strengthening.
See hedge →
dynamic
$
✓
2
Lloyds overdraft — reduce or clear
–£3,536 · £3.91/day interest · At risk of hitting limit
£3,536
≈ $4,473 to clear
$
✓
3
Adit Chopra — personal loan
£15,000 · Can delay if asked · Discretionary
£15,000
≈ $18,975 · delayable
$
✓
4
Ramesh — USD repayment
$355,148 total · His priority ask · Any amount helps
Any amount
$355,148 outstanding
$
✓
IBKR Portfolio
Interactive Brokers — margin account. Auto-fetches from IBKR Flex Queries. Plan: hold through dip, target BTC bounce to ~$83k, then sell enough to clear margin and own portfolio outright.
$863,000
Gross Portfolio Value
IBIT · MSTR · CRCL · FWDI · BMNR
–$337,671
Margin Debt
Must repay to own outright
$525,762
Net Value
Gross minus margin debt
Holdings — IBIT · MSTR · CRCL · SOL Treasury · ETH Treasury
| Ticker | Name | Qty | Current Price | Market Value | Note |
|---|---|---|---|---|---|
| IBIT | iShares Bitcoin ETF | $96,200 | Core BTC proxy | ||
| MSTR | MicroStrategy | $342,000 | BTC leveraged play | ||
| CRCL | Circle Internet | $19,800 | Stablecoin infra | ||
| FWDI | SOL Treasury | $19,000 | SOL treasury co. | ||
| BMNR | ETH Treasury | $30,400 | ETH treasury co. | ||
| Total portfolio value (update qty + price above) | $507,400 | ||||
Trim Plan — Price Targets
| Ticker | Current | Trim 1 (25%) | Trim 2 (25%) | Trim 3 (25%) | Qty to sell | Est. proceeds |
|---|---|---|---|---|---|---|
| IBIT | — | — | — | |||
| MSTR | — | — | — | |||
| CRCL | — | — | — | |||
| FWDI | — | — | — | |||
| BMNR | — | — | — | |||
| Total estimated proceeds across all trims | — | |||||
| Margin to clear | — | |||||
Set 3 price levels per ticker where you'd trim 25% of your position each time. Qty to sell and proceeds auto-calculate. Trim targets persist to Firestore.
Cards & personal debt
Update balances yourself. Minimums and available credit calculate automatically. All card payments flow into the monthly allocator as mandatory items.
Amex Centurion (Black)
Full balance due 26th every month · 420,307 Membership Rewards pts
£1,721
Full amount due 26th
Amex BA Premium Plus
88,228 Avios · Credit card · Min payment 21 Mar
£4,874
£11,625 available
MBNA Cashback
£15,750 limit · Min payment 23 Mar
£11,494
£4,256 available
CBD Visa Infinite (UAE)
AED 150,000 limit · Essentially maxed
AED 149,387
AED 613 remaining
Bank Accounts
Barclays current + Lloyds overdraft
–£2,617 net
Lloyds in overdraft
Personal Loans — Friends
Adit Chopra + Mehul Devani
£19,683
No formal interest
Crypto obligations
Coins consumed in margin calls. Full moral obligation to replace. When returned, coins will be sent to Tangem wallets and cleared from this list.
Total obligation3.574 BTC + 9.222 ETH + 61.37 SOL owed across four people. Binance position (2.758 BTC) partially hedges BTC upside risk. ETH and SOL currently unhedged. When coins are replaced and sent to Tangem wallets, mark as cleared below.
Akash (Friend)
0.32114 BTC · invested $10k · principal taken
0.321 BTC
~$20,874
Anila (Cousin)
0.18281 BTC · principal taken
0.183 BTC
~$11,882
Ramesh (Father)
2 BTC + 9.22 ETH + 61.37 SOL
~$160,692
Multi-coin · Priority
Raahi (Baby niece — gift)
1.07 BTC · was a gift · obligation to restore
~$69,550
Send to her Tangem when ready
Total Crypto Obligation
BTC owed
3.57395 BTC
ETH owed
9.22222 ETH
SOL owed
61.37 SOL
Total USD at current prices
~$263,099
Ramesh & Mona
Update monthly and export the statement for him.
GBP Account
USD Account
Summary & Visuals
GBP Balance — Dec 2025
£653,320
Growing ~£9,300/month (rent + interest)
Priority: LOW · He can wait · No fixed timeline
Monthly Components (GBP)
Northwood rent
£6,000
BUPA (quarterly, amortised)
£7,375/qtr
Interest rate
6% p.a.
Dexter
Ends March 2026
Northwood deposit return
Pending — to be added
Monthly Tracker — GBP
| Month | Opening | Northwood | Dexter | BUPA | Other out | Paid in | Interest 6% | Closing |
|---|---|---|---|---|---|---|---|---|
| Dec 2025 | £637,770 | £6,000 | £6,300 | — | — | — | £3,250 | £653,320 |
| Jan 2026 | £653,320 | £6,000 | £6,300 | — | ~£3,267 | ~£662,587 | ||
| Feb 2026 | ~£662,587 | £6,000 | £6,300 | £22,125 | ~£3,589 | ~£700,601 | ||
| Mar 2026 | ~£700,601 | £6,000 | £6,300 | — | ~£3,565 | ~£716,466 | ||
| Apr 2026 | ~£716,466 | £6,000 | — | — | ~£3,610 | ~£726,076 | ||
| May 2026 | ~£726,076 | £6,000 | — | £22,125 | ~£3,771 | ~£757,972 | ||
| Jun 2026 | ~£757,972 | £6,000 | — | — | ~£3,820 | ~£767,792 |
Dexter (£6,300/mo): Jan–Mar 2026, then ends. BUPA: Feb · May · Aug · Nov 2026 (£22,125 each). Northwood deposit return pending.
Known commitments
Fixed dates, fixed amounts going out. Plan around these in advance.
Mar 2026
MBNA minimum paymentDue 23 Mar
–£82.90
Mar 2026
Amex BA minimum paymentDue 21 Mar
–£82.39
Mar 2026
Adit Chopra — personal loanDue next month · Can delay if asked
–£15,000
Apr 2026
Liverpool FC — Season tickets 2025/26The Dugout · 2 seats
–£10,137
May 2026
BUPA Global — quarterly premiumFamily health · Via Ramesh account
–£22,125
Aug 2026
ISK Kenya — Anusha school fees (Gr 11–12)Tuition $37,330 + Capital Levy $1,550
–$38,880
Aug 2026
BUPA Global — quarterly premium
–£22,125
Nov 2026
BUPA Global — quarterly premium
–£22,125
Ongoing
London — Ramesh & Mona (Northwood)Via Ramesh account — does not come from cash allocator
£6,000/mo
Liverpool FC — Full Contract Schedule (Contract 2 · 2023–2030)
Monthly Archive
Take a snapshot after each capital deployment or balance update. Every snapshot captures the full state — track how each action moves the needle.
| Item |
|---|
Loading snapshots…
Binance Hedge
Exists solely to hedge upside risk on coins owed. Target: hold BTC, ETH and SOL equal to total obligations. Track coverage and what you need to be safe at any price.
₿ BTC Position
77%
BTC held
BTC
USDT debt
USDT
Margin level
ratio
Liq. price
$
Holding: 2.758
Short: 0.816 BTC
⚠ Liq $59,261 — 9% buffer at $65k
Ξ ETH Position
0%
ETH held
ETH
Debt (USDT/USD)
USDT
Margin level
ratio
Liq. price
$
Holding: 0
Short: 9.222 ETH
No ETH position — unhedged
◎ SOL Position
0%
SOL held
SOL
Debt (USDT/USD)
USDT
Margin level
ratio
Liq. price
$
Holding: 0
Short: 61.37 SOL
No SOL position — unhedged
BTC Price Scenarios — Will the position survive?
Capital Required to Survive $40k BTC
—
ETH Price Scenarios — Upside exposure if unhedged
SOL Price Scenarios — Upside exposure if unhedged
Collectables
Money owed to you. No fixed dates — chase when appropriate. These offset obligations once received.
Liverpool FC — Ticket Group
Simon
Overpaid — end of season settlement
£
Bobby
Overpaid — end of season settlement
£
Other
VAT refund — car exported to Kenya
High confidence · Jul–Aug 2026 estimate
£
S. Hime — personal loan
No fixed repayment date
£
Tokens — d.energy (WATT)
Holdings
WATT
Cost basis: $25,000 at $0.03/token
Current Value
$0
P&L: $0 (0%)
Total Collectables
£53,966
Cash collectables
+ $0
WATT tokens
≈ $68,267
combined (USD)
Progress Charts
Visual tracking of debt reduction, portfolio performance, and hedge positions over time. Updates when you fetch new data or archive months.
Recovery Overview — Debt vs Assets vs Net
Debt (red) · Assets (green) · Net position (amber) — monthly snapshots from Firestore
IBKR Portfolio — Gross · Margin · Net
Updates each time you fetch from IBKR
Binance Hedge — Position Value · Debt · Equity
Updates each time you fetch from Binance
Summary Breakdown
How the sidebar Debt, Assets, and Net figures are calculated. All values converted to USD at live rates.
Total Debt
| Item | Original | USD Equivalent |
|---|---|---|
| Total Debt | — | |
Total Assets
| Item | Original | USD Equivalent |
|---|---|---|
| Total Assets | — | |
Net Position
| Total Assets | — | |
| Total Debt | — | |
| Net Position | — | |
FX: GBP/USD — · AED/USD — · BTC $— · ETH $— · SOL $—