{
 "id": "sample",
 "version": "1.1.0",
 "createdAt": "2026-10-13T13:24:51.862Z",
 "input": {
  "pbHolding": 40000,
  "newCash": 0,
  "nonSavingsIncome": 60000,
  "otherInterest": 300,
  "savingsRate": 4.5,
  "isaRate": 4.2,
  "isaAllowanceLeft": 20000,
  "mode": "typical"
 },
 "analysis": {
  "curve": [
   {
    "amount": 500,
    "typicalRate": 0
   },
   {
    "amount": 1000,
    "typicalRate": 0
   },
   {
    "amount": 2000,
    "typicalRate": 2.5
   },
   {
    "amount": 5000,
    "typicalRate": 3
   },
   {
    "amount": 10000,
    "typicalRate": 3.5
   },
   {
    "amount": 20000,
    "typicalRate": 3.62
   },
   {
    "amount": 30000,
    "typicalRate": 3.67
   },
   {
    "amount": 40000,
    "typicalRate": 3.81
   },
   {
    "amount": 50000,
    "typicalRate": 3.81
   }
  ],
  "tax": {
   "year": "2026/27",
   "band": "higher",
   "psa": 500,
   "taxFreeInterestLeft": 200,
   "marginalRateAfter": 0.4,
   "pa": 12570,
   "srbAvail": 0
  },
  "prizeTable": {
   "source": "live",
   "draw": "October 2026",
   "rate": 4.35,
   "odds": 21000,
   "impliedRate": 4.35,
   "totalPrizes": 6546849,
   "totalValue": 498378775
  },
  "current": {
   "units": 40000,
   "months": 12,
   "sims": 6000,
   "expected": 1740,
   "simMean": 1777.48,
   "median": 1500,
   "p10": 1050,
   "p25": 1225,
   "p75": 1850,
   "p90": 2275,
   "pZero": 0,
   "medianRate": 3.75,
   "expectedRate": 4.35
  },
  "currentAmount": 40000,
  "breakEvenAER": 6.02,
  "plans": {
   "keep": {
    "isa": 0,
    "savings": 0,
    "bonds": 40000,
    "isaInterest": 0,
    "savingsGross": 0,
    "savingsTax": 0,
    "savingsNet": 0,
    "bondsExpected": 1740,
    "bondsMedian": 1500,
    "bondsP10": 1050,
    "bondsP90": 2275,
    "bondsPZero": 0,
    "totalTypical": 1525,
    "totalAverage": 1740,
    "metric": 1525,
    "effRate": 3.81
   },
   "best": {
    "isa": 20000,
    "savings": 4444,
    "bonds": 15556,
    "isaInterest": 840,
    "savingsGross": 199.98,
    "savingsTax": 0,
    "savingsNet": 199.98,
    "bondsExpected": 676.69,
    "bondsMedian": 550,
    "bondsP10": 300,
    "bondsP90": 975,
    "bondsPZero": 0,
    "totalTypical": 1595.24,
    "totalAverage": 1716.67,
    "metric": 1595.24,
    "effRate": 3.99
   },
   "allSave": {
    "isa": 20000,
    "savings": 20000,
    "bonds": 0,
    "isaInterest": 840,
    "savingsGross": 900,
    "savingsTax": 280,
    "savingsNet": 620,
    "bondsExpected": 0,
    "bondsMedian": 0,
    "bondsP10": 0,
    "bondsP90": 0,
    "bondsPZero": 0,
    "totalTypical": 1460,
    "totalAverage": 1460,
    "metric": 1460,
    "effRate": 3.65
   },
   "allBonds": {
    "isa": 0,
    "savings": 0,
    "bonds": 40000,
    "isaInterest": 0,
    "savingsGross": 0,
    "savingsTax": 0,
    "savingsNet": 0,
    "bondsExpected": 1740,
    "bondsMedian": 1500,
    "bondsP10": 1050,
    "bondsP90": 2275,
    "bondsPZero": 0,
    "totalTypical": 1525,
    "totalAverage": 1740,
    "metric": 1525,
    "effRate": 3.81
   }
  },
  "gain": 70.24,
  "verdict": "SPLIT",
  "mode": "typical",
  "pot": 40000
 },
 "steps": [
  "By 20 October 2026: open or top up a cash ISA with £20,000 — you said £20,000 of this tax year's £20,000 allowance is left, and it resets on 6 April 2027. Pick a flexible ISA if you may need the money back.",
  "By 20 October 2026: put £4,444 in your easy-access account at 4.5% AER. The first £200 of interest this year is tax-free for you; after that it's taxed at 40%.",
  "Just after the November 2026 draw (first working days of the month), cash in £24,444 of Premium Bonds, so you stay in the draw you're already in; money normally reaches your bank in about three working days.",
  "Expect lumpy results over the next 12 months: on your planned £15,556 in Bonds there's a 0% chance of no prize at all this year, and a 1-in-10 year pays under £300.",
  "Put two dates in your diary: the next NS&I prize-rate announcement, and 6 April 2027 (new tax year — Personal Savings Allowance and the £20,000 ISA allowance reset)."
 ]
}