The Interest Deep Dive

See where your interest comes from, how much you could actually spend now, what's exposed to tax, and where you could earn more — all in one Oinkly panel.

The Interest Deep Dive answers three questions at a glance: where is my interest coming from, how much of it can I actually use, and where am I leaving money on the table?

The headline figures

Your interest is sorted into buckets so you can see what's really going on:

Available as income — interest you could withdraw and spend now, not locked in a fixed term or pension.
Locked away — interest in accounts you can't reach yet, like fixed bonds or pensions.
Tax exposed — interest that could be taxed because it isn't inside a tax-free wrapper.
Tax sheltered — interest protected from tax because it's inside an ISA or pension.
Missed opportunity — extra interest you could earn by moving money to better-paying accounts.

Seeing where it comes from

Charts break your interest down by account and by how reachable it is. The waterfall shows your total interest, then what tax and locking take away, leaving what you could genuinely spend (tax is estimated at 20%). The income readiness timeline shows when locked money frees up.

Playing with scenarios

You can adjust the assumptions to match how you think about your money:

Treat ISA as accessible — off by default, because many people prefer to leave ISAs untouched; turn it on only if you'd really dip in.
Preserve emergency fund — keep a set amount ringfenced when Oinkly suggests moves.
Ignore small amounts, or focus only on easy-access money.

Acting on it

Smart Pig sits at the bottom as a ranked list of opportunities — each showing the extra yearly interest a move would earn. As always, it only suggests; you make any changes with your provider.

Good to know

The figures are estimates based on the balances and rates you've entered, so keeping those current — especially rate changes — makes the Deep Dive genuinely useful rather than just interesting.