Overview
Financial Planning Dashboard
Complete the steps below to populate your personalized financial overview.
Annual Income
$88,004
Total yearly income
Annual Expenses
$70,910
Total yearly spend
Annual Cash Flow
$17,094
Available for investing
Net Worth
$103,500
Assets minus debts
Projected Net Worth
—
In 20 yrs · est. return
My Lifestyle Priorities
Go to Step 1 to select your lifestyle priorities.
Income vs Expenses
Monthly Budget by Category
Net Worth Projections
Top 5 Savings Initiatives
Complete Step 3 to populate your savings initiatives.
Monthly Budget Summary
| Category | Monthly | Annual |
|---|
Step 1 of 5
Establish Your Lifestyle Priorities
Financial plans should be based on what matters most to you. Select 3–5 priorities that guide your spending decisions.
Select Your Top 3–5 Priorities
Click any card to select it. Your choices will appear on the Dashboard and guide your budgeting decisions.
Step 2 of 5
Build Your Top Down Budget
Set high-level monthly targets for each category based on your lifestyle priorities. Spend on what matters, cut what doesn't.
Monthly Income
Total Monthly Income
$7,334
Scale budgets to your income
Proportionally adjust all Step 2 targets and Step 3 monthly amounts to match your income. Use this once you've entered your income — then customize the details yourself.
Budget Summary
Total Income$7,334
Total Expenses$5,910
Monthly Cash Flow$1,424
Annual Cash Flow$17,088
Monthly Expense Targets
| Category | Line Item | Monthly Budget |
|---|---|---|
| Housing | $2,950 | |
| Mortgage / Rent | ||
| Home / Rental Insurance | ||
| Utilities (Electric / Gas / Water) | ||
| Phone | ||
| Cable / Satellite | ||
| Internet | ||
| Furnishing / Appliances | ||
| Lawn / Garden | ||
| Maintenance / Improvements | ||
| Other | ||
| Transportation | $1,100 | |
| Car Payments | ||
| Auto Insurance | ||
| Fuel | ||
| Repairs / Maintenance / Registration | ||
| Public Transportation | ||
| Other | ||
| Daily Living | $840 | |
| Groceries | ||
| Credit Card (monthly payment) | ||
| Child Care | ||
| Dining Out | ||
| Clothing | ||
| Salon / Barber | ||
| Other | ||
| Entertainment | $125 | |
| TV / Music Streaming | ||
| Concerts / Plays | ||
| Sports | ||
| Outdoor Recreation | ||
| Other | ||
| Health | $500 | |
| Health Insurance | ||
| Gym Membership | ||
| Doctors / Dentist Visits | ||
| Medicine / Prescriptions | ||
| Veterinarian | ||
| Life Insurance | ||
| Other | ||
| Vacation / Holiday / Birthdays | $395 | |
| Airfare | ||
| Accommodations | ||
| Food / Souvenirs / Misc | ||
| Rental Car | ||
| Birthdays | ||
| Holidays (e.g. Christmas) | ||
| TOTAL MONTHLY EXPENSES | $5,910 | |
Step 3 of 5
Validate with a Bottoms Up Budget
Plan each spending category month by month. Find savings opportunities and set initiatives to reduce costs.
How Top Down & Bottoms Up Work Together
Step 2 (Top Down) sets your spending targets — high-level monthly limits per category based on your priorities.
Step 3 (Bottoms Up) validates those targets by planning every line item month by month across the full year.
The Budget Comparison table in each tab highlights where your detailed plan diverges from your Step 2 target —
green means you're under budget, red means over. Use that gap to tighten line items or adjust your top-down targets until both budgets align.
Once aligned, head to the Top 5 Rankings tab to prioritize your best savings initiatives for the Dashboard.
Step 4 of 5
Net Worth & Investing
Track your assets and debts, set your risk tolerance, and see your wealth grow over time.
Assets
Total Assets$138,500
Debts
Total Debts$35,000
Net Worth$103,500
Investing Strategy
Risk Level (1 = conservative, 10 = aggressive)
7
1 – Conservative10 – Aggressive
Recommended Allocation:
S&P 500 Index Fund70%
Bonds / High-Yield Savings30%
Est. Annual Return8.2%
Annual Cash Flow for Investing$17,094
Net Worth Projections
Current$103,500
5 Years—
10 Years—
20 Years—
30 Years—
40 Years—
50 Years—
Future Net Worth Projector
Project my wealth in
years from today
Projected Net Worth
—
Enter your assets and cash flow above to see your projection
Wealth Growth Chart
Investing Notes & Accounts
Account Types to Consider:
1 401(k) – Pre-tax retirement savings, employer match is free money
2 HSA – Triple tax advantage for health savings
3 Personal Brokerage – Flexible investing for any goal
4 High-Yield Savings / Bonds – Emergency fund + lower-risk allocation
5 Emergency Fund – 3–6 months of expenses before investing aggressively
My Investing Notes:
Step 5 of 5
Budget Tracker — Actuals vs Budget
Enter your actual spending each month to see where you stand, spot overspending, and stay on track.
Select Month:
| Category | Budget | Actual | Variance | Status |
|---|
Budget vs Actual
Year-to-Date Totals
| Category | YTD Budget | YTD Actual | Variance |
|---|