Your household dashboard

Trailing 12 months to 2026-07 · generated 2026-08-16
Snapshot: Jul 2026
Net worth
$553,500
assets $963,200 · debt $409,700
Income · Jul 2026
$10,400
▲ 0.0% vs prior month
Spending · Jul 2026
$9,298
▲ 32.8% vs prior month
Net saved · Jul 2026
$1,102
▼ 67.6% · 11% rate

Money flow

tap a month to break it down below
$0$5k$10k$15k$20k2025-08 income $10,4002025-08 spend $7,059082025-09 income $10,4002025-09 spend $7,165092025-10 income $10,4002025-10 spend $7,321102025-11 income $10,4002025-11 spend $6,797112025-12 income $10,4002025-12 spend $6,848122026-01 income $10,4002026-01 spend $7,856012026-02 income $10,4002026-02 spend $7,362022026-03 income $10,4002026-03 spend $7,049032026-04 income $10,4002026-04 spend $7,344042026-05 income $10,4002026-05 spend $7,079052026-06 income $10,4002026-06 spend $7,001062026-07 income $10,4002026-07 spend $9,29807
IncomeSpending

Spending by category

trailing 12 mo
Housing $28,920Kids $19,860Transport $7,777Groceries $6,911Utilities $6,485Amazon (unsorted) $4,514Other $11,508Spending / mo$7,165
Housing$28,920
Kids$19,860
Transport$7,777
Groceries$6,911
Utilities$6,485
Amazon (unsorted)$4,514
Other$11,508

Selected month

income & spending by category · tap a category for transactions

Priorities

soonest due
Balance-transfer the $4,200 Visa balance to a 0% card
2026-09-30 45d $798/yr
Move the managed brokerage to an index fund
2026-10-31 76d $331/yr
Elect the $5,000 Dependent Care FSA at open enrollment
2026-11-15 91d $1,100/yr
Max the HSA and invest it
2027-04-15 242d $600/yr

To do · what to work on next

Open items
10
not done
Overdue
0
past due date
Due in 2 weeks
0
next 14 days
On the table
$3,343
total savings at stake

Grouped by urgency. Tap a card for the steps. Also writes to your vault TODO.md.

This month1 · $144
30dmedium
Drop Spotify; use YouTube Music (already in your Premium)
2026-09-15$144/yrlow

You pay YouTube Premium $13.99 and Spotify $11.99. Premium bundles YouTube Music, so Spotify is duplicate spend.

  1. Export Spotify playlists to YouTube Music
  2. Cancel Spotify
Later9 · $3,199
45dcritical
Balance-transfer the $4,200 Visa balance to a 0% card
2026-09-30$798/yrmed

22% APR is costing ~$924/yr. A 0% intro BT card (12-18 mo, ~3% one-time fee ~$126) stops the interest. Pay ~$280/mo to clear it before the intro ends.

  1. Apply for a 0% balance-transfer card
  2. Transfer the $4,200 within the intro window
  3. Set a $280/mo autopay to clear it before 0% ends
  4. Do not spend on the old card
76dhigh
Move the managed brokerage to an index fund
2026-10-31$331/yrmed

0.75% on $46,000 = ~$345/yr. Transfer in-kind to a total-market index fund at ~0.03%.

  1. Open a self-directed brokerage
  2. Transfer in-kind
  3. Confirm the 0.75% fee stops
91dhigh
Elect the $5,000 Dependent Care FSA at open enrollment
2026-11-15$1,100/yrlow

You already spend $16,800/yr on childcare. Running $5,000 of it through a pre-tax DCFSA returns ~$1,100 at your bracket + FICA.

  1. Elect $5,000 DCFSA during open enrollment
  2. Submit childcare receipts for reimbursement
242dhigh
Max the HSA and invest it
2027-04-15$600/yrmed

Raise from $6,500 to the family max, invest the balance, pay medical out of pocket, and keep receipts to reimburse tax-free later.

  1. Raise the contribution to the family max
  2. Move the cash into investments
  3. Start a receipts folder
76dmedium
Adjust the W-4 to stop over-withholding
2026-10-31med

A large refund is an interest-free loan to the IRS. Retarget to near zero and redirect the freed cash to the card, then HSA.

  1. Run a withholding estimate
  2. File an updated W-4
  3. Redirect the monthly difference to A-01
106dmedium
Get an umbrella quote and size term life
2026-11-30low

$1-2M umbrella above home and auto (~$300/yr); size 20-year term to debts + income replacement + college minus assets.

  1. Get an umbrella quote
  2. Price 20-year term to the calculated need
121dmedium
Harvest tax losses in the taxable brokerage before year-end
2026-12-15$220/yrmed

Offset gains plus up to $3,000 of ordinary income; rebuy a similar (not identical) fund to avoid the wash-sale rule.

  1. Review lots for unrealized losses
  2. Sell losers, rebuy a similar fund
  3. Log it for the CPA
137dmedium
Roll the $35k IRA into the 401k, then start backdoor Roths
2026-12-31med

Clears the pro-rata rule and opens $14,000/yr of Roth space for both spouses.

  1. Confirm the 401k accepts IRA roll-ins
  2. Roll the $35k in
  3. Contribute $7,000 each nondeductible and convert; file Form 8606
242dlow
Claim the 529 state deduction
2027-04-15$150/yrlow

Route college savings through the in-state 529 and claim the deduction; confirm the cap with the CPA.

  1. Confirm eligibility and cap with CPA
  2. Claim on the state return

Liquidity & runway

Cash on hand
$38,000
checking + savings
Monthly burn
$7,212
median, recent months
Runway
5.3 mo
cash / burn
Real estate
58%
of gross assets

Liquidity tiers

Liquid now $99,200Retirement / 529 $304,000Illiquid (real estate) $560,000

Net-worth trend starts building from today; each run adds a snapshot.

Bottom line: you are about 58% real estate with roughly 5.3 months of cash. Concentrated, and thin on liquidity. The estate, insurance, and cash-cushion items below reflect that.

Net worth

$553,500
assets $963,200  −  debt $409,700

Each bar is a share of total assets. Expand a class to see every account, who owns it, and its share within the class.

Assets by owner
Joint$668,500 69%
You$216,700 22%
Partner$78,000 8%
Assets · $963,200
▸Real estate$560,00058%
Primary HomeJoint est$560,000
▸Retirement (401k/IRA)$273,00028%
BrightStar 401k (You)You$132,000
Summit 401k (Partner)Partner$78,000
Rollover IRA (You)You$35,000
Roth IRA (You)You$28,000
▸Taxable brokerage$58,0006%
Managed BrokerageJoint$46,000
Self-Directed BrokerageYou$12,000
▸Cash & savings$38,0004%
High-Yield SavingsJoint$22,000
Everyday CheckingJoint$9,500
Health Savings AccountYou$6,500
▸Education (529)$31,0003%
529 College SavingsJoint$31,000
▸Crypto$3,2000%
Crypto WalletYou est$3,200
Liabilities · $409,700
▸Mortgages$372,00091%
Home MortgageJoint$372,000
▸Loans$33,5008%
Auto LoanJoint$19,500
Student LoanYou$14,000
▸Credit$4,2001%
Visa Rewards CardYou$4,200

Real estate values are estimates. Retirement and brokerage are expanded by default; tap any class to expand or collapse.

Debt & payoff strategy

Ranked by rate. Prepay only debt whose rate beats what you would earn investing (~5-7% after tax). Everything else is cheap money, keep it.

DebtBalanceRateInterestMove
Credit card balance$4,20022.000%$924/yrprepay
22% is the most expensive money you have. Pay this to zero before investing or any other prepayment.
Auto loan$19,5005.900%$1,150/yrconfirm APR
Confirm the APR. Around 6% is a coin flip against investing; pay it after the card and student loan.
Student loan$14,0005.500%$770/yrprepay
5.5% beats a safe return. Pay extra once the credit card is gone.
Home mortgage$372,0003.250%$12,090/yrkeep
3.25% is below what you earn investing over time. Keep it; do not rush to prepay.

Total interest carried ~$14,934/yr. Prepay only the debts marked prepay; the low-rate mortgage is cheap money to keep.

Income vs spending, by month

Tap a month to see its income and spending, transaction by transaction.

$0$5k$10k$15k$20k2025-08 income $10,4002025-08 spend $7,059082025-09 income $10,4002025-09 spend $7,165092025-10 income $10,4002025-10 spend $7,321102025-11 income $10,4002025-11 spend $6,797112025-12 income $10,4002025-12 spend $6,848122026-01 income $10,4002026-01 spend $7,856012026-02 income $10,4002026-02 spend $7,362022026-03 income $10,4002026-03 spend $7,049032026-04 income $10,4002026-04 spend $7,344042026-05 income $10,4002026-05 spend $7,079052026-06 income $10,4002026-06 spend $7,001062026-07 income $10,4002026-07 spend $9,29807
IncomeSpending

$2,204 of spend is still unclassified (mostly loan payments and checks). Savings figures are provisional until it is categorized.

Monthly burn · fixed vs variable

Fixed = recurring commitments (mortgage, utilities, phone, insurance, childcare, loans, subscriptions). Variable = discretionary and random spend (groceries, dining, shopping, Amazon, travel).

Fixed nut / mo
$5,417
mortgage, utilities, phone, insurance, childcare, loans, subs
Variable / mo
$1,868
groceries, dining, shopping, Amazon, travel
Fixed share
74%
of controllable burn
$0$2k$5k$8k$10k2025-08 fixed $5,3922025-08 variable $1,4542025-08 unclassified $213082025-09 fixed $5,3872025-09 variable $1,6352025-09 unclassified $143092025-10 fixed $5,3212025-10 variable $1,9232025-10 unclassified $77102025-11 fixed $5,4022025-11 variable $1,3182025-11 unclassified $77112025-12 fixed $5,3642025-12 variable $1,2912025-12 unclassified $193122026-01 fixed $5,3762026-01 variable $2,4022026-01 unclassified $77012026-02 fixed $5,4102026-02 variable $1,6962026-02 unclassified $256022026-03 fixed $5,4242026-03 variable $1,4792026-03 unclassified $147032026-04 fixed $5,4362026-04 variable $1,6942026-04 unclassified $214042026-05 fixed $5,4372026-05 variable $1,3972026-05 unclassified $246052026-06 fixed $5,3742026-06 variable $1,2982026-06 unclassified $328062026-07 fixed $5,4212026-07 variable $3,6442026-07 unclassified $23307
FixedVariableUnclassified

Fixed is the committed nut you cannot easily cut. Variable is where you have control month to month. Averages use the last 6 complete months. Note: mortgage payments count in full, so the principal portion (really saving) inflates fixed until the amortization split lands.

$237/mo is still unclassified and left out of both; clearing it sharpens this split.

Categories

Amazon

$4,514
Amazon, trailing 12 mo · 5.1% of spend · 58 orders

Recurring money · three buckets

Apps you can cancel, utilities you can only rate-shop, and committed expenses that are the fixed nut. Kept separate on purpose.

Apps & subscriptions
$95/mo
8 · cancel / review candidates
Utilities
$543/mo
6 · rate-shop, do not cancel
Committed expenses
$4,760/mo
8 · mortgage, loans, childcare, insurance
Total recurring
$5,398/mo
per month, all three

Where recurring money goes

monthly, by bucket
Apps & subscriptions $95/moUtilities $543/moCommitted expenses $4,760/moRecurring / mo$5,398
Apps & subscriptions$95/mo · 2%
Utilities$543/mo · 10%
Committed expenses$4,760/mo · 88%

Apps & subscriptions digital · $95/mo · $1,139/yr

The cancel / review pile. Anything you do not use is pure savings.

ChatGPT
openai.com
$20/mo
$240/yr · $240 all-time · 12x

First charge 2025-08-16, latest 2026-07-26, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Netflix
netflix.com
$16/mo
$192/yr · $192 all-time · 12x

First charge 2025-08-11, latest 2026-07-18, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Audible
audible.com
$15/mo
$179/yr · $179 all-time · 12x

First charge 2025-08-12, latest 2026-07-21, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

YouTube Premium
google
$14/mo
$168/yr · $168 all-time · 12x

First charge 2025-08-23, latest 2026-07-26, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Dropbox
dropbox.com
$12/mo
$144/yr · $144 all-time · 12x

First charge 2025-08-01, latest 2026-07-14, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Spotify
spotify.com
$12/mo
$144/yr · $144 all-time · 12x

First charge 2025-08-18, latest 2026-07-17, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Google One
google storage
$3/mo
$36/yr · $36 all-time · 12x

First charge 2025-08-04, latest 2026-07-21, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Apple
apple.com/bill
$3/mo
$36/yr · $36 all-time · 12x

First charge 2025-08-21, latest 2026-07-08, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Utilities phone, internet, power, water, trash · $543/mo

Necessary bills. You cannot cancel these, but you can rate-shop and cut usage.

Phone
CellCo Wireless
$150/mo
$1,800/yr · $1,800 all-time · 12x

First charge 2025-08-10, latest 2026-07-10, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Electric
Power Co
$147/mo
$1,761/yr · $1,722 all-time · 12x

First charge 2025-08-12, latest 2026-07-12, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Internet
FiberNet
$80/mo
$960/yr · $960 all-time · 12x

First charge 2025-08-10, latest 2026-07-10, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Gas
City Gas
$69/mo
$823/yr · $828 all-time · 12x

First charge 2025-08-12, latest 2026-07-12, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Water
City Water
$60/mo
$720/yr · $720 all-time · 12x

First charge 2025-08-12, latest 2026-07-12, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Trash pickup
Waste Co (recurring)
$38/mo
$456/yr · $456 all-time · 12x

First charge 2025-08-14, latest 2026-07-14, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Committed monthly expenses mortgage, loans, childcare, insurance · $4,760/mo

The fixed nut. Grouped by type, largest first.

Housing & loans$2,410/mo
Home mortgage
HomeServicer Mortgage
$2,150/mo
$25,800/yr · $25,800 all-time · 12x

First charge 2025-08-03, latest 2026-07-03, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Student loan
EduFund Servicing
$260/mo
$3,120/yr · $3,120 all-time · 12x

First charge 2025-08-09, latest 2026-07-09, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Childcare & kids$1,655/mo
Kid: childcare
Little Stars Childcare
$1,400/mo
$16,800/yr · $16,800 all-time · 12x

First charge 2025-08-02, latest 2026-07-02, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Kid: math enrichment
Math Academy
$160/mo
$1,920/yr · $1,920 all-time · 12x

First charge 2025-08-07, latest 2026-07-07, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Kid: swim lessons
Swim School (weekly)
$95/mo
$1,140/yr · $1,140 all-time · 12x

12 lessons, 2025-08-07 to 2026-07-07. $50 each, mostly Tue/Thu.

2025-08-072025-09-072025-10-072025-11-072025-12-072026-01-072026-02-072026-03-072026-04-072026-05-072026-06-072026-07-07
Auto & transport$410/mo
Auto loan
AutoBank auto loan
$410/mo
$4,920/yr · $4,920 all-time · 12x

First charge 2025-08-08, latest 2026-07-08, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Insurance$215/mo
Home + auto insurance
Safeguard Insurance
$215/mo
$2,580/yr · $2,580 all-time · 12x

First charge 2025-08-20, latest 2026-07-20, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Fitness & wellness$70/mo
Gym membership
FitClub monthly dues
$70/mo
$840/yr · $840 all-time · 12x

First charge 2025-08-09, latest 2026-07-09, 12 charges total.

Usage not tracked. Reply telling me how often you actually use this and I'll start logging it.

Accounts · data health

Accounts tracked
17
excludes closed / dormant
Fresh
11
within 45 days
Need update
6
aging, stale, or no data
Assets tracked
$963,200
sum of known balances
Fresh 11Aging 6
Fresh 11Aging 6

Every active account has data within 90 days.

All accounts by category

Grouped by type, ranked by staleness. Owner chips show who holds each. Drop a statement in the inbox to refresh a stale one.

Cash & checking3$38,000
Everyday CheckingJoint
First National Bank · checking
$9,500Fresh · 16d
High-Yield SavingsJoint
First National Bank · savings
$22,000Fresh · 16d
Health Savings AccountYou
HSA Bank · hsa
$6,500Fresh · 16d
Credit cards3$4,200
Amex EverydayPartner
American Charge · credit card
no balanceFresh · 27d
Visa Rewards CardYou
Metro Card · credit card
$4,200Fresh · 16d
Store CardJoint
RetailCo · credit card
no balanceClosed
Retirement (401k/IRA)4$273,000
Summit 401k (Partner)Partner
Summit · 401k
$78,000Aging · 47d
BrightStar 401k (You)You
BrightStar · 401k
$132,000Fresh · 16d
Roth IRA (You)You
IndexCo · ira
$28,000Fresh · 16d
Rollover IRA (You)You
IndexCo · ira
$35,000Fresh · 16d
Brokerage2$58,000
Managed BrokerageJoint
WealthCo · brokerage
$46,000Fresh · 16d
Self-Directed BrokerageYou
TradeApp · brokerage
$12,000Fresh · 16d
Crypto1$3,200
Crypto WalletYou
CoinApp · crypto
$3,200 estFresh · 16d
Education (529)1$31,000
529 College SavingsJoint
State 529 Plan · 529
$31,000Aging · 47d
Real estate1$560,000
Primary HomeJoint
- · real estate
$560,000 estAging · 46d
Mortgages1$372,000
Home MortgageJoint
HomeServicer · mortgage
$372,000Aging · 46d
Loans2$33,500
Auto LoanJoint
AutoBank · loan
$19,500Aging · 46d
Student LoanYou
EduFund Servicing · loan
$14,000Aging · 46d
close.py v1.1.0 · rebuilt from raw statements each run · every figure carries its own as-of date
Live demo with fictional data · nothing is real, nothing is stored · not financial or tax advice.
Source on GitHub · built by Febian · connect on LinkedIn