🧪 Sandbox
Changes auto-saved to sandbox. Exit restores live data.
Savings Rate
Monthly savings toward investments
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Net Worth
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Total assets minus liabilities
Monthly Cash Flow
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After all expenses & contributions
Tony · Bi-weekly
Gross —
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Net —
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Take-home —
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Est. net pay
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Take-home to allocate
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Allocate to:
Unallocated
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Rachael · Semi-monthly
Gross —
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Net —
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Take-home —
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Est. net pay
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Take-home to allocate
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Allocate to:
Unallocated
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Combined Monthly
Pre-tax contributions
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Est. taxes/mo
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Total take-home
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Edit any label or amount inline · × to delete
Money Flow — Where Every Dollar Goes
HYSA Fund Allocation
Combined HYSA Balance
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2026 Tax-Advantaged Contribution Limits
🎉
2 Bonus Paycheck Months in 2026
Months with 3 bi-weekly paychecks · budget is based on 2-paycheck months
Extra Income This Year
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Contribution Sources
Total Monthly
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Projected at Retirement
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Portfolio Growth Over Time
Conservative estimate · 75% of projected benefit · not guaranteed
Portfolio Runway at Retirement
Balance Drawdown Over Time
Return Rate Scenarios at Retirement
Monthly Actuals — 2026
Enter what you actually spent each month. Compare vs your budget.
View month:
Category Breakdown — January
✏ Enter actual amounts below
| Category |
Budget |
Actual |
Variance |
| Total |
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Year at a Glance — Spending vs Budget
🗓️ Yearly Expenses Fund
Separate HYSA for planned yearly costs — travel, home maintenance, and other recurring expenses.
HYSA Balance
$
Edit to sync with your actual account · updates Net Worth
Monthly Deposit
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from your budget expense line
Links to expense row matching "yearly"
Allocated vs Available
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✈️
Travel
Trips, flights, hotels, experiences
$0
🏠
Home Maintenance
Routine upkeep, upgrades, repairs
$0
📦
Other Yearly Expenses
Everything else — gifts, gear, subscriptions, etc.
$0
Log a Spend from this HYSA
When you actually spend money, log it here to reduce your HYSA balance.
Category
Monthly Deposit History
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No deposits credited yet.
Income Editor
Update your pay when you get a raise. The raise calculator shows the downstream effect before you commit.
🧮 Raise Calculator
Model a pay change — see the downstream effect on cash flow, savings rate, and contributions before you apply it.
Whose salary?
Pay schedule
How to allocate the extra take-home per paycheck:
Updates your income rows automatically
Tony — Current Income Rows
✏ Edit directly
Monthly total
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Rachael — Current Income Rows
✏ Edit directly
Monthly total
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Contribution Rates
✏ Edit directly — changes sync to Budget tab