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Live data from connected banks
Checking / Operating
- Discover Cashback Debit--
- Bank of America Checking--
- PurposePays credit cards & bills
Travel Fund
- Dedicated Travel Savings--
- PurposeHawaii + Family visits
Rainy Day Fund
- Emergency Savings--
- Months of Expenses-- months
- StatusCalculating...
HSA (Health Savings)
- Current Balance--
- 2026 Contribution Rate/paycheck (/mo)
- StrategyInvest & let grow tax-free
Credit Cards
- Chase Credit Card--
- Citi Costco Visa--
- BoA Travel Rewards--
- Total CC Debt--
Retirement & Investment Accounts
- Empower 401(k)--
- E*Trade Brokerage--
- E*Trade Stock Plan (PANW)--
- Fidelity/ADP 401(k)s$28,504
- Total Retirement--
Total Liquid Assets
| Discover Cashback Debit | -- |
| Bank of America Checking | -- |
| Travel Fund | -- |
| Rainy Day Fund | -- |
| Total Liquid Savings | -- |
| HSA (tax-advantaged) | -- |
| Credit Card Balances | -- |
| Net Liquid Position | -- |
Total Net Worth
Liquid Assets
--
Retirement
--
Total Net Worth
--
Available for Home Down Payment
If Buying Now (VA Loan)
- Total Liquid Savings--
- Keep 3-mo Emergency Buffer--
- Available for Closing/Down--
- VA Loan Benefit/bin/zsh down required
If Waiting 12 Months
- Current Savings--
- + Monthly Savings (,622 x 12),464
- Projected Total--
- After 3-mo Reserve--
Financial Overview
Year over Year Comparison âš Year over Year Analysis Compare your income, spending, and savings trends across years. Use the view toggle to switch between bar, line, and pie chart visualizations. Navigate between years to track your financial progress over time.
Track income, spending, and savings trends across years
2025
View
Double-click a spending bar to see category breakdown
2025 Overview
💰
$8,095
Income
âš
Average Monthly Income
Total income from all sources including VA benefits and paychecks. Click card for detailed breakdown.
Click for breakdown
💳
$7,200
Expenses
âš
Average Monthly Expenses
Total spending across all categories including essential and discretionary expenses. Click for category breakdown.
Click for breakdown
💲
$1,656
Total Savings
âš
Net Monthly Savings
Income minus expenses. This amount is allocated to emergency fund, travel, real estate, and other goals.
Click for breakdown
📈
20%
Savings Rate
âš
Savings Rate Formula
(Income - Expenses) Ãˇ Income à 100. Financial experts recommend 10-20%. Higher is better!
Click for breakdown
| Category | 2025 Actual | 2026 Budget | Monthly Cut | % Reduction |
|---|
đ Budget Variance Analysis âš Budget Variance Compares 2025 actual spending to 2026 budget targets. Green = planned cuts (savings), Red = planned increases.
Cutting (Savings)
Increasing
View
Bars show 2025 actual (solid) vs 2026 budget (striped). Green = savings, Red = increases.
Total Cuts
$0
Total Increases
$0
Net Savings
$0
đĄ Financial Advisor Recommendations
Priority Areas for Improvement
Shopping/Retail
$1,366/mo â $150/mo
Save $1,216/mo
Home Goods
$768/mo â $50/mo
Save $718/mo
Travel
$732/mo â $200/mo
Save $532/mo
Groceries
$1,164/mo â $850/mo
Save $314/mo
Actionable Suggestions
- Shopping: Implement 48-hour rule before any non-essential purchase. Use wishlist instead of cart.
- Groceries: Meal plan weekly, shop with a list only, use Costco for bulk essentials.
- Dining: Limit eating out to 2x/week max. Pack lunches for work.
- Travel: Plan trips 3+ months ahead for better rates. Set annual travel budget of $2,400.
- Subscriptions: Audit monthly - cancel unused services. Current total: $181/mo.
Monthly Review Checklist
Annual Impact âš Annual Impact Click on any metric to see detailed breakdowns. Shows the projected financial improvement from implementing budget changes.
Click any card to see detailed breakdown
-$31,452
2025 Annual Deficit
Click for details â
â
+$19,872
2026 Annual Savings
Click for cuts â
=
+$51,300
Total Improvement
Click for summary â
Real Estate Planning
$0
Down Payment Required
VA Loan Benefit
$0
PMI
Saves $200-400/mo
WAIVED
Funding Fee
60% Disability
$10K
TX Property Tax Exemption
~$220/yr savings
CURRENT VA LOAN RATE (30-Year Fixed)
5.50%
As of December 2025 âĸ 60% Disability = No Funding Fee
Rates vary by lender. Shop multiple lenders for best rate.
How Down Payment Reduces Monthly Payment
While VA loan requires $0 down, putting money down reduces your monthly payment significantly.
$500K Home - $0 Down
$3,937/mo
P&I: $2,839 | Tax: $898 | Ins: $200
Tight budget - $190/mo buffer
Tight budget - $190/mo buffer
$500K Home - $25K Down (5%)
$3,795/mo
P&I: $2,697 | Tax: $898 | Ins: $200
Saves: $142/mo vs $0 down
Saves: $142/mo vs $0 down
$500K Home - $50K Down (10%)
$3,653/mo
P&I: $2,555 | Tax: $898 | Ins: $200
Saves: $284/mo vs $0 down
Uses your current savings
Saves: $284/mo vs $0 down
Uses your current savings
$500K Home - $100K Down (20%)
$3,369/mo
P&I: $2,271 | Tax: $898 | Ins: $200
Saves: $568/mo vs $0 down
Requires ~2 years more saving
Saves: $568/mo vs $0 down
Requires ~2 years more saving
Price Point Comparison (at 5.5% rate)
$350K Home - $0 Down
$2,770/mo
P&I: $1,987 | Tax: $623 | Ins: $160
Monthly Savings: $1,357
Older homes, limited options
Monthly Savings: $1,357
Older homes, limited options
$400K Home - $0 Down
$3,161/mo
P&I: $2,271 | Tax: $715 | Ins: $175
Monthly Savings: $966
Better options in McKinney/Fairview
Monthly Savings: $966
Better options in McKinney/Fairview
$450K Home - $50K Down
$3,165/mo
P&I: $2,271 | Tax: $719 | Ins: $175
Monthly Savings: $962
Good options in Allen/Fairview
Monthly Savings: $962
Good options in Allen/Fairview
$500K Home - $50K Down
$3,653/mo
P&I: $2,555 | Tax: $898 | Ins: $200
Monthly Savings: $474
Updated homes, your target area
Monthly Savings: $474
Updated homes, your target area
Down Payment Impact Calculator (at 5.5% rate)
| Home Price | Down Payment | Loan Amount | Monthly P&I | Total Payment | Monthly Savings Left |
|---|---|---|---|---|---|
| $400,000 | $0 (0%) | $400,000 | $2,271 | $3,161 | $966 |
| $400,000 | $40,000 (10%) | $360,000 | $2,044 | $2,934 | $1,193 |
| $450,000 | $50,000 (11%) | $400,000 | $2,271 | $3,165 | $962 |
| $500,000 | $0 (0%) | $500,000 | $2,839 | $3,937 | $190 |
| $500,000 | $50,000 (10%) | $450,000 | $2,555 | $3,653 | $474 |
| $500,000 | $100,000 (20%) | $400,000 | $2,271 | $3,369 | $758 |
| $550,000 | $50,000 (9%) | $500,000 | $2,839 | $4,039 | $88 |
| $500,000 | $125,000 (25%) | $375,000 | $2,130 | $3,228 | $899 |
| $500,000 | $150,000 (30%) | $350,000 | $1,987 | $3,085 | $1,042 |
| $550,000 | $100,000 (18%) | $450,000 | $2,555 | $3,755 | $372 |
| $550,000 | $150,000 (27%) | $400,000 | $2,271 | $3,471 | $656 |
| $600,000 | $150,000 (25%) | $450,000 | $2,555 | $3,858 | $269 |
| $600,000 | $200,000 (33%) | $400,000 | $2,271 | $3,574 | $553 |
* Based on current 5.5% VA loan rate (Dec 2025), 30-year term. Property tax at 2.2% (Collin County with $10K VA exemption). Insurance estimated based on home value. Monthly income after fixed expenses: $4,127.
Recommended Strategy
Option A: Buy Sooner ($400-450K)
- Down Payment$40-50K (current savings)
- Monthly Payment$3,050-$3,300
- Monthly Savings$800-1,000
- Home TypeOlder but updated
- AreasMcKinney, Fairview
Option B: Wait & Save More ($500K+)
- $100K Down
- Save for18-24 months
- Monthly Payment$3,496
- Monthly Savings$631
- $125K Down
- Save for24-30 months
- Monthly Payment$3,346
- Monthly Savings$781
- $150K Down
- Save for30-36 months
- Monthly Payment$3,196
- Monthly Savings$931
Option C: Stretch for $550-600K Home
- $550K with $150K Down
- Monthly Payment$3,596
- Monthly Savings$531
- $600K with $200K Down
- Monthly Payment$3,748
- Monthly Savings$379
- NoteRequires ~4 years saving
Key Takeaway
Every $25K extra down payment saves approximately:
- Monthly P&I Savings$150/month
- Annual Savings$1,800/year
- 30-Year Savings$54,000
Plus you pay less total interest over the life of the loan.
Retirement Planning Loading... âš Retirement Planning Combined view of household retirement accounts, projections, and action items. Switch between tabs to see individual portfolios.
Household retirement accounts and planning
Gus Total
$69,382
401k + HSA + Brokerage
Stephanie Total
$0
Spousal Roth IRA pending
Household Total
$69,382
Combined retirement assets
Age 38 (DOB: May 5, 1986) | Full Retirement Age: 67
29-year investment horizon | Medicare eligible at 65
$69,382
Total Assets
Current Employer - Palo Alto Networks
- ProviderFidelity
- Balance$4,402.19
- Your Contribution$167/paycheck
- Employer Match$1,000/year cap
- Monthly Total$417
- StatusActive
ESPP (Employee Stock Purchase Plan)
- Contribution Rate15% (Max)
- Monthly Contribution$1,650
- Annual Total$19,800
- Discount15% off stock price
- StatusMaxed Out â
HSA as Retirement
- Current Balance$1,031.42
- 2026 Contribution$604/month
- Annual (2026 Family Max)$7,250
- NoteAfter 65, no penalty for any use
Social Security Benefits (Official SSA Statement)
SSA
Based on $98,099/year earnings
Statement dated December 24, 2025
| Retirement Age | Monthly Benefit | Annual Benefit | Notes |
|---|---|---|---|
| 62 (Early) | $2,196 | $26,352 | Reduced ~32% |
| 65 | $2,797 | $33,564 | Medicare starts |
| 67 (Full Retirement) | $3,255 | $39,060 | Full benefit |
| 70 (Maximum) | $4,080 | $48,960 | +25% from FRA |
Disability Benefit (If Needed)
$2,495/mo
Survivors Benefit (Spouse)
$2,731/mo
Survivors (Minor Child)
$2,048/mo
đ Earnings History & SS Taxes Paid (Expandable)
SS Taxes Paid (You)
$49,522
SS Taxes (Employer)
$50,773
Medicare Taxes (You)
$11,867
Medicare (Employer)
$11,867
| Year | Earnings | Year | Earnings | Year | Earnings |
|---|---|---|---|---|---|
| 2004 | $1,379 | 2012 | $31,946 | 2020 | $49,631 |
| 2005 | $7,941 | 2013 | $13,537 | 2021 | $66,562 |
| 2006 | $17,314 | 2014 | $0 | 2022 | $97,376 |
| 2007 | $19,289 | 2015 | $14,642 | 2023 | $108,772 |
| 2008 | $22,888 | 2016 | $42,427 | 2024 | $98,099 |
| 2009 | $25,018 | 2017 | $48,416 | 21 years of work | |
| 2010 | $28,543 | 2018 | $49,151 | (40 credits earned) | |
| 2011 | $30,582 | 2019 | $45,559 | ||
Benefits based on highest 35 years of earnings. Years with $0 count as zeros and may reduce benefits.
Former Employer 401(k)s - Need to Rollover
Action Required: Consolidate These Accounts
| Employer | Provider | Balance | Vested | Action |
|---|---|---|---|---|
| Synoptek | Fidelity | $16,289.24 | $15,740.63 | Roll to Fidelity IRA (easy - same provider) |
| LogRhythm | Empower | $29,565.25 | $29,468.70 | Roll to Fidelity IRA |
| Content Guru | ADP | $7,813.18 | $5,763.64 | Roll vested to Fidelity IRA |
| TOTAL | $53,667.67 | $50,972.97 | $2,694.70 unvested (forfeit) |
E*Trade Brokerage
- Balance$4,251.32
- StatusCash
- ActionConsider investing or moving
Total Retirement Assets
- All 401(k)s$58,069.86
- E*Trade$4,251.32
- HSA$1,031.42
- Total$69,382.44
Retirement Projections (7% avg return)
Age 50
$180,000
12 years | Current + contributions
Age 55
$290,000
17 years
Age 62 (Early SS)
$520,000
24 years | SS: $2,196/mo available
Age 65 (Medicare)
$680,000
27 years | SS: $2,797/mo
Age 67 (Full Retirement)
$780,000
29 years | SS: $3,255/mo + HSA
Age 70 (Max SS)
$920,000
32 years | SS: $4,080/mo
Action Items - Gus
- 1. Open Fidelity Rollover IRA
- 2. Roll over Synoptek 401k (already at Fidelity - easy)
- 3. Roll over LogRhythm 401k from Empower
- 4. Roll over Content Guru 401k from ADP (vested only)
- 5. Consider increasing 401k contribution after budget stabilizes
Education Savings Plan - Owen Loading...
đŧIndividual 529 College Savings Account | Age 2 | 16-year investment horizon
Account Status
- Account TypeIndividual 529 College Savings
- Current Balance$10,299.67
- Rate of Return (YTD)--
- As ofDecember 15, 2025
đ Ugift - Gift Contributions
- Ugift CodeE4J-61Z
- Share Ugift Link â
Share this code with family and friends for birthday/holiday gifts
Recommended 529 Plans
- Utah my5290.12% fees
- Nevada Vanguard0.14% fees
- NY 529 Direct0.13% fees
- Texas PlanNo state tax benefit (TX has none)
Projected College Costs (2041)
TX Public In-State
$200,000
4-year total | ~$50K/year
Public Out-of-State
$360,000
4-year total | ~$90K/year
Private University
$480,000
4-year total | ~$120K/year
Growth Projections (Starting with $10,300)
| Additional Monthly | At Age 18 (7% return) | Covers (TX Public $200K) |
|---|---|---|
| $0/month (just let it grow) | $30,500 | 15% |
| $100/month | $68,500 | 34% |
| $200/month (Recommended) | $106,500 | 53% |
| $300/month | $144,500 | 72% |
| $350/month | $163,500 | 82% |
* Starting balance of $10,299.67 grows to ~$30,500 over 16 years at 7% even with no additional contributions.
Recommendation
Start with $100-200/month
- PriorityLower than retirement/emergency
- TimingAfter 2026 budget stable
- SupplementsScholarships, financial aid, work-study
Why Not Over-Save?
- Penalty10% + taxes on non-education use
- BetterUnder-save slightly, supplement later
- FlexibilityCan transfer to sibling if needed
Action Items
- 1. Open 529 account - DONE
- 2. Review current investment allocation (age-based vs aggressive)
- 3. Set up automatic $100-200/month contribution when budget allows
- 4. Consider asking grandparents to contribute as birthday/holiday gifts
Financial Goals & Projections
Total Savings
$61,514
HSA + Rainy Day + Travel
Emergency Fund
$51,261
â 12.2 months covered
Travel Fund
$3,461
115% of annual target
HSA Balance
$6,791
Tax-advantaged medical
Baby #2 (Not Pregnant Yet)
Planning ahead for when you decide to expand your family
Immediate Costs (Before Childcare)
- Diapers/Wipes+$80/mo
- Formula (if needed)+$150/mo
- Baby Food (6+ mo)+$50/mo
- Clothing+$30/mo (hand-me-downs help)
- Medical Copays+$50/mo (HSA covers)
- Total Before Childcare+$200-360/mo
Childcare Reality
- Infant Care (Allen)$1,200-1,800/mo
- Toddler Care (Owen)$900-1,200/mo
- Both Kids in Care$2,100-3,000/mo
Unless Stephanie earns $4,000+/month NET, staying home may be financially smarter than paying for two kids in daycare.
Recommendation: Baby Fund On Hold
Baby #2 fund contributions are currently paused. Savings are being directed to the combined House/Emergency fund. Resume when ready to expand family.
Travel Budget (Family Out of State)
Planning for family visits throughout the year
2026 Travel Plan
- Hawaii (April)$2,000 (flights + spending)
- Family Visit #1 (Summer)$1,000
- Family Visit #2 (Fall)$1,000
- Holiday Travel (Dec)$500
- Annual Total$4,248
- Monthly Set-Aside$354
Travel Tips
- Book flights6-8 weeks ahead
- Use credit card pointsWhen available
- Stay with familySaves $150+/night
- Drive when close<6 hours
2026 Savings Allocation
Funded from VA Disability ($1,663/mo) and mid-month paycheck. Updated Dec 2025 with VA COLA +2.8%
| Fund | Monthly | Annual | Purpose | Status |
|---|---|---|---|---|
| House/Emergency Fund | $741 | $8,892 | 6-month cushion target | â FULLY FUNDED |
| Travel Fund | $354 | $4,248 | Hawaii + family visits | â $3,461 saved |
| Buffer | $200 | $2,400 | Miscellaneous expenses | â |
| Allowance (Gus) | $200 | $2,400 | Personal spending money | â |
| Allowance (Stephanie) | $200 | $2,400 | Personal spending money | â |
| TOTAL | $1,695 | $20,340 | 21% savings rate (VA + paycheck) | |
đĄ Note: Emergency fund contributions continue to grow the buffer beyond 6 months, providing extra security for home purchase or major expenses.
Goal Progress Summary
Emergency Fund (6-month target)
204% Complete
Travel Fund (annual target)
115% Complete
House Down Payment (20% of $500K)
46% Complete (VA Loan: Ready!)
With VA Loan ($0 down), you're ready to buy. $46K available for closing costs after 3-mo emergency reserve.
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