Anything that puts money in your pocket each month, or will provide an income for you in retirement.

Include: cash emergency fund (protects you from selling assets in an emergency), Stocks & Shares ISAs, pensions from current/former employers (for defined benefit pensions, multiply your promised annual income by 25), SIPPs, market value of investment properties.

Exclude: the home you live in (covered in Section 3), everyday cash/current account, savings for future spending like holidays or a new car.

Enter debts as positive numbers — the app subtracts them automatically.

Include: the amount you owe on each credit card (add a separate item per card), car loans, student loans, personal loans, mortgages on investment properties.

Exclude: credit card balances you pay off in full every month, and the mortgage on the home you live in (that's allowed for in Section 3).

Things you have that hold value but won't provide an income for you in retirement.

Include: market value of the home you live in (put the mortgage on it as a positive number too — the app works out your equity automatically), everyday cash/current account, savings for future spending, premium bonds, savings accounts, Cash ISA.

Exclude: anything you've already put in Sections 1 or 2.