Budget

Built 2026-07-04 12:11 UTC

YNAB

↻ Sync
Total progress
36.2%⚠
average of three metrics below
Overall budget health: 100% means every transaction is categorized, every category is on budget, and all income is assigned.
Transactions categorized
14.3%⚠
4 / 28
Uncategorized transactions hide where your money went. Keep this at 100%.
Categories within budget
94.4%⚠
68 / 72
Active budget categories that haven't exceeded their monthly allocation.
Money assigned
0.0%⚠
$0 / $2305
Fraction of available income that's been assigned to a budget category. Unassigned money isn't working for you.
Goals funded this month
0.0%⚠
$3701 underfunded across 36 / 45 categories
Monthly savings and spending targets that are fully covered by current assignments.

Income & expenses
Surplus — 2026-07
$-305
income − expenses
What was left over (or overspent) in the latest month, from YNAB.
Income — 2026-07
$0
All inflows categorized as income in YNAB.
Expenses — 2026-07
$305
Net outflows across all YNAB categories (refunds netted).

Income vs. expenses by month — income above the axis, expenses below; the line is the monthly surplus/shortfall. Hover a month for the category breakdown.

Estimated monthly expenses by category — last-12-month averages. When the "Expenses change (move)" scenario is enabled below, the overlay shows the scenario estimate (scaled pro-rata; per-category and per-property adjustments come with the property detail pages).

Net worth

Balances by account → · Stocks detail →

Net worth
$1,058,938
as of 2026-08-01 — see per-account balances
Total across all tracked accounts, converted to USD.

By asset class

Category Amount % of net worth
Real Estate $738,345 69.7%
Investment Property $403,345 38.1%
Primary Residence $335,000 31.6%
Stocks $689,717 65.1%
Precious metals $15,871 1.5%
Gold $14,809 1.4%
Platinum $1,062 0.1%
Cash $11,868 1.1%
Debt −$396,863 -37.5%

By account type

Category Amount % of net worth
Taxable $580,099 54.8%
Tax-advantaged accounts $478,839 45.2%
Rollover IRA $319,490 30.2%
Roth IRA $99,047 9.4%
Traditional IRA $53,310 5.0%
HSA $6,993 0.7%

Net Worth

Chart settings

⚠️ Projection config: Debt account chase/6086 amortizes but has no property link (properties.json mortgage_account / accounts.json property_account) — held flat in the projection; link it to amortize per-property. (data status →)

Projection settings

Historical performance, as far back as captured (price-only — excludes dividends, so total return is understated): AAPL +24.2%/yr over 26.5 years (since 2000-01-03); ABBV +16.0%/yr over 13.5 years (since 2013-01-02); ABNB +0.5%/yr over 5.6 years (since 2020-12-10); AGG -0.2%/yr over 22.8 years (since 2003-09-29); AMP +13.2%/yr over 20.8 years (since 2005-09-15); AMZN +16.3%/yr over 26.5 years (since 2000-01-03); AOS +11.4%/yr over 26.5 years (since 2000-01-03); ATO +8.6%/yr over 26.5 years (since 2000-01-03); AWI +7.2%/yr over 19.7 years (since 2006-10-18); BBUS +14.3%/yr over 7.3 years (since 2019-03-13); BINC +1.1%/yr over 3.1 years (since 2023-05-23); BLMN -2.5%/yr over 13.9 years (since 2012-08-08); BMRC +5.9%/yr over 26.5 years (since 2000-01-03); BND -0.1%/yr over 19.2 years (since 2007-04-10); BNDX -0.3%/yr over 13.1 years (since 2013-06-04); BNY +5.1%/yr over 26.5 years (since 2000-01-03); BRK.A +10.4%/yr over 26.5 years (since 2000-01-03); BRK.B +10.6%/yr over 26.5 years (since 2000-01-03); BYND -46.8%/yr over 7.2 years (since 2019-05-02); CAG -0.8%/yr over 26.5 years (since 2000-01-03); CAT +14.9%/yr over 26.5 years (since 2000-01-03); CCD +0.2%/yr over 11.3 years (since 2015-03-27); CLOA +0.9%/yr over 3.5 years (since 2023-01-12); COIN -12.3%/yr over 5.2 years (since 2021-04-14); COLB +4.6%/yr over 26.5 years (since 2000-01-03); COST +12.3%/yr over 26.5 years (since 2000-01-03); CVBF +5.6%/yr over 26.5 years (since 2000-01-03); DHY -5.0%/yr over 26.5 years (since 2000-01-03); DIS +4.7%/yr over 26.5 years (since 2000-01-03); DNP +1.0%/yr over 26.5 years (since 2000-01-03); DOW -7.7%/yr over 7.3 years (since 2019-03-20); EMB -0.3%/yr over 18.5 years (since 2007-12-19); EMHY -1.3%/yr over 14.2 years (since 2012-04-03); EMLC -4.3%/yr over 15.9 years (since 2010-07-23); ET +6.2%/yr over 20.4 years (since 2006-02-03); ETN +13.0%/yr over 26.5 years (since 2000-01-03); ETR +8.7%/yr over 26.5 years (since 2000-01-03); EUHY +0.5%/yr over 14.2 years (since 2012-04-03); EXPD +10.9%/yr over 26.5 years (since 2000-01-03); FALN +0.7%/yr over 10.0 years (since 2016-06-21); FBP -5.0%/yr over 26.5 years (since 2000-01-03); FLOT +0.1%/yr over 15.0 years (since 2011-06-17); FRCB -51.2%/yr over 15.6 years (since 2010-12-09); GBIL -0.0%/yr over 9.8 years (since 2016-09-14); GC=F +11.1%/yr over 25.8 years (since 2000-08-30); GGG +12.5%/yr over 26.5 years (since 2000-01-03); GLD +10.4%/yr over 21.6 years (since 2004-11-18); GLDM +15.8%/yr over 8.0 years (since 2018-06-26); GME +9.5%/yr over 24.4 years (since 2002-02-13); GNT -5.6%/yr over 15.4 years (since 2011-01-27); GOOD -0.7%/yr over 22.9 years (since 2003-08-14); GOOGL +25.5%/yr over 21.9 years (since 2004-08-19); HCSG +11.6%/yr over 26.5 years (since 2000-01-03); HOOD +26.9%/yr over 4.9 years (since 2021-07-29); HYDB -0.9%/yr over 9.0 years (since 2017-07-14); HYG -1.4%/yr over 19.2 years (since 2007-04-11); HYMB +0.1%/yr over 15.2 years (since 2011-04-14); HYT -2.4%/yr over 23.1 years (since 2003-05-29); IAGG -0.0%/yr over 10.6 years (since 2015-11-12); IBM +3.7%/yr over 26.5 years (since 2000-01-03); ICLN -5.3%/yr over 18.0 years (since 2008-06-25); IEF +0.6%/yr over 23.9 years (since 2002-07-30); IEFA +5.4%/yr over 13.7 years (since 2012-10-24); IEMG +3.8%/yr over 13.7 years (since 2012-10-24); IEX +11.2%/yr over 26.5 years (since 2000-01-03); IGEB -1.2%/yr over 9.0 years (since 2017-07-14); IGLB -0.1%/yr over 16.6 years (since 2009-12-09); IGSB +0.2%/yr over 19.5 years (since 2007-01-11); INTC +3.9%/yr over 26.5 years (since 2000-01-03); INVH +4.6%/yr over 9.4 years (since 2017-02-01); IP -1.1%/yr over 26.5 years (since 2000-01-03); IRM +9.8%/yr over 26.5 years (since 2000-01-03); ITOT +8.7%/yr over 22.4 years (since 2004-01-23); IUSB -0.7%/yr over 12.1 years (since 2014-06-12); IWN +7.5%/yr over 25.9 years (since 2000-07-28); IWS +7.7%/yr over 24.9 years (since 2001-08-02); JCPB -1.1%/yr over 7.3 years (since 2019-03-12); JETS +2.9%/yr over 11.2 years (since 2015-04-30); JPST +0.1%/yr over 9.1 years (since 2017-05-19); KOMP +11.7%/yr over 7.7 years (since 2018-10-23); LC -14.3%/yr over 11.6 years (since 2014-12-11); LNT +6.9%/yr over 26.5 years (since 2000-01-03); LQDH -0.7%/yr over 12.0 years (since 2014-06-17); LSTR +15.1%/yr over 26.5 years (since 2000-01-03); MBB -0.4%/yr over 19.3 years (since 2007-03-16); MS +4.5%/yr over 26.5 years (since 2000-01-03); MSFT +7.4%/yr over 26.5 years (since 2000-01-03); MUB +0.3%/yr over 18.8 years (since 2007-09-10); MXF +0.9%/yr over 26.5 years (since 2000-01-03); NEM +5.4%/yr over 26.5 years (since 2000-01-03); NI +7.6%/yr over 26.5 years (since 2000-01-03); NOBL +8.5%/yr over 12.7 years (since 2013-10-10); NVAX -8.9%/yr over 26.5 years (since 2000-01-03); OHI +5.3%/yr over 26.5 years (since 2000-01-03); OXLC -14.3%/yr over 15.4 years (since 2011-01-21); OXM +4.9%/yr over 26.5 years (since 2000-01-03); PHK -4.9%/yr over 23.2 years (since 2003-04-25); PL=F +5.2%/yr over 26.5 years (since 2000-01-04); PLNT +11.7%/yr over 10.9 years (since 2015-08-06); PTLC +8.0%/yr over 11.1 years (since 2015-06-12); QLTA -0.4%/yr over 14.4 years (since 2012-02-16); RKT -5.1%/yr over 5.9 years (since 2020-08-06); RNP -0.8%/yr over 23.0 years (since 2003-06-25); RQI -0.7%/yr over 24.3 years (since 2002-02-26); RSKD -28.1%/yr over 4.9 years (since 2021-07-29); SAN +0.7%/yr over 26.5 years (since 2000-01-03); SBUX +14.2%/yr over 26.5 years (since 2000-01-03); SCHA +11.0%/yr over 16.7 years (since 2009-11-03); SGOV +0.1%/yr over 6.1 years (since 2020-06-01); SHV +0.1%/yr over 19.5 years (since 2007-01-11); SHY +0.0%/yr over 23.9 years (since 2002-07-30); SHYG -1.3%/yr over 12.7 years (since 2013-10-17); SMOG +0.9%/yr over 19.1 years (since 2007-05-09); SPDW +2.2%/yr over 19.2 years (since 2007-04-26); SPEM +3.0%/yr over 19.3 years (since 2007-03-23); SPLG +12.7%/yr over 17.5 years (since 2009-01-02); SPMD +7.5%/yr over 13.0 years (since 2013-07-09); SPSM +8.4%/yr over 13.0 years (since 2013-07-09); SPY +6.4%/yr over 26.5 years (since 2000-01-03); SPYD +4.5%/yr over 10.7 years (since 2015-10-22); SPYM +9.2%/yr over 20.6 years (since 2005-11-15); SPYV +5.2%/yr over 25.7 years (since 2000-10-02); STIP +0.1%/yr over 15.6 years (since 2010-12-03); TAN -8.1%/yr over 18.2 years (since 2008-04-15); TEL +8.9%/yr over 19.0 years (since 2007-06-14); TFI +0.2%/yr over 18.8 years (since 2007-09-13); TFLO +0.1%/yr over 12.4 years (since 2014-02-04); TLT +0.2%/yr over 23.9 years (since 2002-07-30); TSLA +41.1%/yr over 16.0 years (since 2010-06-29); TX +2.9%/yr over 20.4 years (since 2006-02-01); UL +4.6%/yr over 26.5 years (since 2000-01-03); USHY -1.4%/yr over 8.7 years (since 2017-10-26); USL -0.7%/yr over 18.6 years (since 2007-12-06); USO -7.9%/yr over 20.2 years (since 2006-04-10); USRT +1.6%/yr over 19.2 years (since 2007-05-04); VB +8.4%/yr over 22.4 years (since 2004-01-30); VBR +7.4%/yr over 22.4 years (since 2004-01-30); VEA +2.1%/yr over 18.9 years (since 2007-07-26); VO +8.7%/yr over 22.4 years (since 2004-01-30); VOE +7.2%/yr over 19.9 years (since 2006-08-25); VTEB +0.1%/yr over 10.9 years (since 2015-08-25); VTI +7.8%/yr over 25.0 years (since 2001-06-15); VTIP -0.0%/yr over 13.7 years (since 2012-10-16); VTSAX +7.2%/yr over 25.6 years (since 2000-11-13); VTV +6.9%/yr over 22.4 years (since 2004-01-30); VWO +4.1%/yr over 21.3 years (since 2005-03-10); VWOB -1.3%/yr over 13.1 years (since 2013-06-04); VZ -0.9%/yr over 26.5 years (since 2000-01-03); WM +10.2%/yr over 26.5 years (since 2000-01-03); WMT +6.3%/yr over 26.5 years (since 2000-01-03); WTFC +11.1%/yr over 26.5 years (since 2000-01-03); WVFC +1.2%/yr over 26.5 years (since 2000-01-03); WYNN +8.8%/yr over 23.7 years (since 2002-10-25); XLU +4.6%/yr over 26.5 years (since 2000-01-03); XT +10.8%/yr over 11.3 years (since 2015-03-24); ZM +4.8%/yr over 7.2 years (since 2019-04-18). Compare with the return assumptions above.

What moves the date?

Projected Cash Flows

Show/hide chart description

How the projection builds vs. draws down. The modeled cash flows behind the projection above, summed per calendar year, with vertical lines for retirement/readiness/scenario dates and timeline events and a dotted line at $0. Inflows are above the axis: surplus invested while working, Social Security, and the investment drawdown — the portfolio withdrawals that fund retirement, split into the part covering required minimum distribution taxes (RMD) and the rest (taxable/discretionary). Outflows are below: living expenses (per category), housing (the primary residence's mortgage P&I and co-op maintenance, plus replacement rent after a sale), and income tax (hover to see it split by source — the gross-up on retirement withdrawals, RMDs, work income, and the taxable investment-income drag). While the surplus dominates you're building assets; once the drawdown bands appear, the portfolio is funding the gap. Investment returns are excluded — they're the rising bands on the net-worth chart, not cash flows. Hover for a per-year breakdown grouped into income and expenses. Reacts to the settings and scenarios above.


Allocation — current (outer ring) vs. target (inner ring). Target from the glidepath at 5.2 years to retirement (retire at 50); excludes Debt, Gold, Investment Property, Platinum, Primary Residence.

Timeline — life events against net worth (every event from the encrypted events file; "—" predates the tracked series)

DateAgeEventCategoryNet worth then
2020-09-03 38 Bought 8203 Golf Ridge Dr — Purchased 8203 Golf Ridge Dr, Charlotte NC — $185,000 with a $148,000 mortgage (LoanDepot, later Chase). house $191,785
2026-08-01 44 Buying 109-14 Ascan Ave Apt 1D — 109-14 Ascan Ave Apt 1D, Forest Hills, NY 11375 — co-op purchase at $335,000 with a $268,000 30-year fixed mortgage at 6.5%; ~$1,000/mo maintenance. house $1,058,938