Net worth
$221,100
As of Jan 2026
Liquid cash
$63,089
Cash and bank balances
Latest month surplus
$5,300
Jan 2026
Savings rate
44%
Jan 2026
Trendline
Income, spending, and surplus
Last month
Swipe for month detail
Jan 2026
Revenue
$12K
Expenses
$7K
Net
$5K
Ending cash$63,089
Net worth$221,100
Cash movement
Operating, investing, and financing
Operating
$0
Jan 2026
Investing
$0
Jan 2026
Financing
$0
Jan 2026
Composition
Income mix
YTD household income sources
Salary / Sam
$6,800
Salary / Priya
$5,200
Composition
Spending mix
YTD household spending categories
Tax / Federal
$2,000
Housing / Mortgage Interest
$1,150
Tax / Payroll
$980
Childcare / Daycare
$950
Tax / State
$440
Housing / Property Tax
$400
Food / Groceries
$289
Utilities / Electric Gas
$211
Composition
Asset composition
Ending household assets
Property / Home
$365,000
Retirement / 401k / Sam
$54,500
Retirement / 401k / Priya
$38,350
Bank / Savings
$38,000
Bank / Checking
$25,089
Education / 529
$10,200
Composition
Liability composition
Ending household liabilities
Mortgage / Home
$309,150
CreditCard / Visa
$889
Statement
Household Cash Margin
Income
$12,000
Salary / Sam
57%$6,800
Salary / Priya
43%$5,200
Spending
$6,700
Tax / Federal
30%$2,000
Housing / Mortgage Interest
17%$1,150
Tax / Payroll
15%$980
Childcare / Daycare
14%$950
Tax / State
7%$440
Housing / Property Tax
6%$400
Food / Groceries
4%$289
Utilities / Electric Gas
3%$211
Insurance / Home
2%$150
Insurance / Health
2%$130
Surplus after spending
$5,300
Latest month: $0
Statement
Direct Cash Flow
YTD Movement
$0
Operating
$0
Investing
$0
Financing
$0
YTD net cash change
$0
Latest month: $0
Statement
Net Worth Statement
Assets
$531,139
Property / Home
69%$365,000
Retirement / 401k / Sam
10%$54,500
Retirement / 401k / Priya
7%$38,350
Bank / Savings
7%$38,000
Bank / Checking
5%$25,089
Education / 529
2%$10,200
Liabilities
$310,039
Mortgage / Home
100%$309,150
CreditCard / Visa
0%$889
Net worth
$221,100
Assets: $531,139
Activity
Recent activity
Most recent grouped transactions from the ledger.
2026-01-29
Visa
operating
Credit card payment
Operating flow: Bank / Checking
-$600
2026-01-29
Visa
operating
Credit card payment
Operating flow: CreditCard / Visa
$600
2026-01-26
Transfer
operating
529 contribution
Operating flow: Bank / Checking
-$200
2026-01-26
Transfer
investing
529 contribution
Investing flow: Education / 529
$200
2026-01-24
Xcel Energy
operating
Electric and gas
Operating flow: Bank / Checking
-$211
2026-01-24
Xcel Energy
operating
Electric and gas
Operating flow: Utilities / Electric Gas
$211
2026-01-21
Little Pines Daycare
operating
January tuition
Operating flow: Bank / Checking
-$950
2026-01-21
Little Pines Daycare
operating
January tuition
Operating flow: Childcare / Daycare
$950
Activity
Needs review
Transactions at or above $1,000 from the default review policy.
2026-01-18
Front Range Mortgage
operating
Monthly mortgage payment
Operating flow: Bank / Checking
-$2,550
2026-01-18
Front Range Mortgage
operating
Monthly mortgage payment
Operating flow: Housing / Mortgage Interest
$1,150
2026-01-15
Peak Analytics
operating
Sam paycheck
Operating flow: Tax / Federal
$1,100
2026-01-15
Peak Analytics
operating
Sam paycheck
Operating flow: Bank / Checking
$4,300
2026-01-15
Canyon Health
operating
Priya paycheck
Operating flow: Salary / Priya
-$5,200
2026-01-15
Canyon Health
operating
Priya paycheck
Operating flow: Bank / Checking
$3,300
2026-01-15
Peak Analytics
operating
Sam paycheck
Operating flow: Salary / Sam
-$6,800
2025-12-31
Unspecified
investing
Opening balances
Investing flow: Property / Home
$365,000
Monthly pulse
Month-by-month summary
Jan 2026
positive
- Revenue / income
- $12,000
- Expenses / spending
- $6,700
- Net result
- $5,300
- Net cash flow
- $0
- Ending cash
- $63,089
- Net worth
- $221,100