Cash flow
Income / mo
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Expenses / mo
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Left over
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Savings rate
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Cash flow trend
Income and expenses for months you've logged actuals in, with net as the dashed line. Built from what you confirmed, not projected.
Where it goes
Every income source, merged into one bar, then split back out across spending, savings and what's left.
Category budgets & purchases
Point a budget at a category that's mostly day-to-day purchases (dining, groceries, entertainment), not one that's mostly recurring bills. A bills-heavy category like Housing already has its own actual-vs-planned on each bill above; pace tracking here only ever sees what you log as a purchase.
Category budgets
Log a purchase
Add a recurring item
A yearly or quarterly item wants the month it lands in. Give it one and it waits its turn in Due next instead of appearing every month. A category groups this with similar bills in the charts; type a new name to create one. "Split with someone" is for a bill that's bigger than what you actually pay: the rest is understood, not tracked.
Annual billing check
For any monthly bill you've also priced as an annual plan, what prepaying actually saves. Cash paid a year up front can't sit in your own account earning anything in the meantime, and most annual plans don't refund unused months. Weigh that against the discount below; this tool won't guess a savings rate or a cancellation cost on your behalf.
| Item | Monthly × 12 | Annual price | You save | Verdict |
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How the dashboard works
The dashboard provides an overall view of your financial situation, covering eight sections: what you have (your assets), what you owe (your liabilities), where your money goes each month, and whether you're likely to meet your retirement goals. This dashboard requires no login credentials or bank account connections; rather, it uses the numbers you provide to create a comprehensive overview of your financial situation within your web browser. Once you've provided these numbers, you may store them locally in your web browser, and/or synchronize them to another location, such as Google Drive.
You'll start with the net worth section. Each subsequent section uses the numbers you provide here. Therefore, you should add your accounts first, which will ensure accurate population of the remaining sections.
Net worth
Net worth allows you to add each account once, along with its present balance and type: checking/savings, investment/retirement, real property/mortgage, credit cards/auto/student loans, or a customized label. The dashboard will group your accounts into assets and liabilities, calculate your net worth as the difference between those values, and maintain a history graph that automatically updates each time you update a balance.
Snapshots are used to record your net worth at a particular point in time. A snapshot is created automatically every time you update an account balance. You also have the option to manually save a snapshot at any time. Your history graph displays trends regarding whether your net worth is increasing or decreasing, the speed of that trend, and the factors driving that trend.
Cash flow
Cash flow represents the difference between the inflows and outflows of funds during a typical month. Once you've added your regular income sources and your regular expense sources, the dashboard normalizes each item into a monthly average value, regardless of how frequently you receive or remit a particular item (e.g., weekly, bi-weekly, quarterly, or yearly).
Once you have both of these lists populated, you will then see your savings rate: the portion of your income that does not go toward fixed expenses. The "Give every dollar a job" panel illustrates how the remainder of your income is allocated among your goals, spending categories, and any unallocated cash. When a subscription or other recurring charge increases in price, you will get a bill-creep alert indicating when that occurred relative to when you last reviewed it.
When there is a discrepancy between your actual account balance and what your recurring charges indicate it should be, a reconcile prompt will appear encouraging you to log any unusual activity that occurred outside of your established patterns before you lose track of it.
Debt
Using only the liabilities from the net worth section, the dashboard will create a repayment strategy for each liability. There are two options available: avalanche (pays off the highest-interest liability first; minimizes total interest paid) and snowball (pays off the smallest liability first; creates quick early victories). The total interest savings associated with choosing one method versus the other are shown so you can select based on real numbers rather than personal preference.
Adjust the "extra per month" slider to see how an additional monthly payment affects your projected debt-free date. If you want to accelerate repayment with a one-time contribution (such as a tax refund or year-end bonus), simply enter that amount alongside the slider. The payoff chart shows the monthly balances of all your debts simultaneously.
Goals
Goals represent specific financial targets with a deadline and a funding source. Set the amount, the deadline, and optionally specify one or more accounts or holdings being funded toward that goal. The dashboard will tell you whether your current savings rate is sufficient to reach your goal on time or whether you are falling short. If you dedicate an account specifically as a sinking fund toward a goal, the dashboard will automatically subtract that account's balance from unallocated funds in the cash flow section.
Investments
The investments section allows you to monitor each holding in your portfolio: the cost basis, present value, and unrealized gain or loss for each position. Specify target allocation percentages by asset class and the dashboard will show how far your actual portfolio has drifted from those targets and what trades could help restore alignment. Tax treatment carries forward from the account type you specified in the net worth section, so you can see at a glance which gains sit in tax-advantaged accounts and which are taxable.
Property
The property section tracks real estate holdings without relying on live estimates from external parties. Provide the address, purchase price, and your own estimate of current value. Using the linked mortgage balance from net worth, the dashboard calculates equity and shows how that equity grows over time through principal reductions and any revisions to your estimated value.
Retirement
The retirement section runs a projection from your present situation forward. Inputs include: your current age, target retirement age, present saved balance, monthly contributions, expected annual return, volatility, and target annual spending in retirement. The default withdrawal rate is 4%, though you can adjust it.
The confidence ring is a Monte Carlo simulation: it runs many possible future return sequences through your inputs and shows what percentage of scenarios end with you not outliving your money before age 90. While a 90% confidence level does not guarantee success, it is a number you can track and improve over time.
A Coast FIRE calculation shows the portfolio balance at which you could stop contributing today and growth alone would carry you to retirement. Required Minimum Distribution (RMD) calculations appear once you approach the mandatory withdrawal age for retirement accounts.
Backing up your data
All data you enter is stored in your browser's local database. Nothing is sent anywhere unless you ask. The footer export buttons download your complete data as one JSON file (readable without this site) or as individual CSV files per section, formatted for import into spreadsheets.
If you choose optional sign-in with Google, an encrypted copy of your data is written to your Google account whenever you make a change, so clearing your browser or switching devices does not lose your data. You can delete the cloud copy at any time from the footer. What is on this device is unaffected.
The currency selector in the top bar changes how amounts are displayed, using European Central Bank reference rates baked in at build time. It does not update the amounts you entered: your numbers stay in whatever currency you typed them, with a note in the footer confirming exactly that.