🎚️ Master assumptions — drag to model your journey
🎯 Overview 2033 target
Your real starting point and the journey to £100M. Everything below is computed from your 2026 numbers (£1.86M profit, 11 businesses, £2.5M property equity, £619k invested) and the master assumptions above.
Net worth trajectory to £100M
Where the £100M comes from
📅 Year-on-Year Tracker 2023 → 2033
Your full journey, year by year — actuals from 2023 and the plan to £100M. Business value at 8× / 10× / 12×, investments compounding, property equity, and net worth with the change each year. This is your core tracker.
Net worth by valuation multiple
✅ Task Manager monthly → weekly
What to achieve each month, broken into weekly actions — every task ladders toward the profit milestone that drives your valuation. Tick them off; progress saves automatically. Day-level detail lives in the Daily Execution Tracker.
Annual milestones — the profit ladder to £100M
This year, month by month
💰 Net Worth
Your live balance sheet and its growth. Toggle the valuation multiple and reinvestment rate to see the range.
🎚️ Dynamic net-worth simulator
Year-by-year net worth to 2033
📊 Valuation Engine
Your business value = annual profit × multiple. This is the core of the £100M number — grow profit from £1.86M to ~£9.75M and at 10× the business alone is worth ~£97.5M.
🎚️ Wealth Simulator
"What-if" your whole plan. The master sliders above feed this — see the spread across 8× / 10× / 12× and how reinvestment changes the outcome.
Multiple sensitivity at your target year
📈 Investments & Compounding to age 65
You reinvest a slice of profit each year and it compounds at ~8%. This is the second engine alongside the business — tax-efficient and low-risk. The fund runs to age 65 (2048).
Allocation scenarios — how much you reinvest changes everything
Investment fund — year by year to age 65
🏦 Pensions & ISA to age 65
The most tax-efficient wealth pool. Drag your monthly SIPP/SSAS contribution and the ISA allowance and watch the pot compound to retirement (age 65, 2048). Currently £0 — every year unfunded is a year of tax-free growth lost.
🎚️ Contributions
Monthly cash allocation — where the profit goes
SIPP + ISA projection to age 65
UK rules & your move
- SSAS pension: move the surgery freeholds you already own (WLDental, Ashford, Barnet, BEX, Strood, Lab — ) into a SSAS — rent becomes deductible, growth is tax-free, and it sits outside your estate for IHT.
- SIPP: 25% tax-free at 57, rest taxed as income, ~8% growth. Employer contributions are corporation-tax deductible — your best extraction route.
- S&S ISA: £20k/yr, tax-free growth & withdrawals — fund it every April.
🏢 Businesses 2026
Every business broken down monthly & yearly — turnover, EBITDA %, profit, the 40% reinvested, marketing, profit share & extraction. Pick any Year and hand-set each practice's M Turnover, Y Turnover and EBITDA % — every cell is editable on every year, so you can build the forecast exactly as you want it. Your overrides feed that year's profit, EV, valuation and net worth instantly. 2026 is your real base that scales forward; a ● marks a manually-overridden year. The three £0 entities are pure upside.
📈 EBITDA multiple & valuation 2026
💷 Editable allocation controls
Yearly turnover & profit by business
Profit by category
🏠 Properties
9 properties — you own most of your surgery freeholds outright. That's a hidden tax lever: move them into a SSAS pension.
📶 Performance per business
How each business is performing — profit, margin, turnover and its share of group value. The three £0 entities (Elevate Marketing, GM IRES, Elevate Wealth) are the upside still to activate.
🚗 Cars fleet
Track vehicles, finance and renewals — value and net equity feed the Net Worth balance sheet. Add cars with the button; data saves locally.
🏧 Loans & Debts liabilities
Every liability in one place — property mortgages (from your 9 properties) plus business loans, director's loan accounts, acquisition debt and car finance. Total debt feeds Net Worth.
💎 Physical Assets gold · silver · watches · crypto
Tangible & alternative assets — gold, silver, watches, art, crypto. Add them with their current value; the total flows straight into your Net Worth.
🎯 Target vs Real plan vs actuals
The #1 credibility move: track actual profit against the plan each year. Enter your real numbers and see the variance and RAG status. Uninstrumented targets are the biggest diligence risk — close the gap.
Click a cell in the "Actual profit" column to enter your real figure for that year (saves locally). Variance and RAG update instantly.
💎 WealthWatch glidepath
Are you ahead of or behind the plan glidepath to £100M? This watches net worth vs the planned trajectory, flags the variance, and shows your projected crossing year.
Plan glidepath vs £100M
📨 Investment Allocator where the profit goes
Split each year's profit across the engines that build your wealth — reinvested fund, pension/SIPP, ISA, property paydown and extraction. Adjust the master allocation sliders and see the per-year deployment.
Year-by-year deployment of profit
📣 Marketing Spend 10% of turnover
Marketing runs at 10% of turnover (drag the slider in the Businesses tab to change it). Here's the total budget, the per-business spend, the channel split, and how it stages up as turnover grows toward £100M.
Channel split (this year)
Per-business marketing budget
Staging — marketing budget by year
📋 Business Plan & Exit cohort & scenarios
The engine-by-engine plan and the exit scenarios. Profit £1.86M → £9.75M by 2033; valued at your multiple = the £100M business. Full strategy + tax in the £100M Master Plan.
Exit scenarios
The five engines to £100M
Cash-flow & funding by year
💷 Funding potential
📈 Cohort / exit readiness
🤖 AI Insights next best action
AI-generated read on your numbers. The buttons below produce an instant rules-based briefing from your live model; to switch on full GPT-4o analysis, paste an API key (stored locally, never sent anywhere except the model API).
Ask anything about your numbers
🎓 AI Investment Mentor
🔑 GPT-4o (optional)
🚀 The Lean £100M Plan low-debt
How you actually grow profit £1.86M → £9.75M without a big loan: buy ~6–8 strategic practices, scale full-arch (your margin engine), turn Elevate into real software ARR, and lift margins. Full model in the £100M Master Plan.
1 · Full-arch is the margin engine
Each Fixed-Teeth case nets ~£3,176 on your own lab. Route cases from every practice into the hubs — even 1–2/practice/month adds £40–90k profit each.
2 · Activate the £0 entities
Elevate Marketing, GM IRES and Elevate Wealth earn £0 today. Turn Elevate Accounts + the CRM into Elevate Dental OS — software ARR valued at 5–8× revenue, not 10× profit.
3 · Buy few, buy nice, low debt
~6–8 premium practices (Tunbridge Wells, Bromley, Deal…) funded from cashflow — not 24 on debt. Low loan = high equity = more in your pocket.
🗺️ Kent Acquisitions
Your 8 core low-debt targets — premium anchors + key hub feeders. Full interactive map in the Kent Acquisition War-Map.
🧾 Tax & Exit Architecture
Keep more of the £100M. The levers, ranked — full detail in the Master Plan §08–09.
Build-phase (now → exit)
- HoldCo / OpCo structure — enables SSE + clean exit (do this first)
- SSAS pension owns the surgery freeholds — tax-free growth, deductible rent
- Full expensing on every fit-out, CBCT, chair — 25% CT saved
- EMI options for key clinicians — retention + their own low-tax exit
- Gift equity to family/trust now, while value is low — cuts CGT & 40% IHT
Exit (2033) — shrink the bill
- At this scale CGT ≈ 24% — BADR barely matters
- EOT (Employee Ownership Trust): 0% CGT on the stake sold to it
- Earn-out as securities not cash — avoids 45%+NIC recharacterisation (worth £5–10M)
- Hybrid EOT + trade sale → effective ~6–10%, keep ~£80–85M
🧮 UK Tax Calculator 2025-26
Quick tax on extraction. Choose what you take and how.