Finance OS

through the year

Coming Up

No upcoming bills

Monthly Income

$

Budget vs Actual

No bills yet

Big Purchase Planner

Planned Purchases

Purchase Name

Target Amount ($)

Already Saved ($)

Target Date

Notes

Purchase Name

Target Amount ($)

Already Saved ($)

Target Date

Notes

No planned purchases yet

Accounts

Name

Type

Starting Balance ($)

Liability (credit card / loan)

Count toward Emergency Fund

Credit Limit ($) — if credit card

Name

Type

Starting Balance ($)

Liability

Count toward Emergency Fund

Credit Limit ($)

No accounts yet

Connected Banks

No banks connected yet. Connect a bank to automatically import accounts and transactions.

Credit Utilization

Add credit accounts with a credit limit to track utilization.

0–9% — Excellent. Ideal for best credit score impact.

10–29% — Good. Generally acceptable.

30–49% — Fair. Begins to negatively affect your score.

50–74% — Poor. Significant score damage likely.

75–100% — Danger. Major negative credit impact.

Keep individual cards below 10% and total utilization below 30% for optimal credit health.

Transactions

Merchant / Description

Amount ($)

Type

Account

Category

Due Day

Last Paid / Start Date

Notes

No bills yet

Payment Calendar

January

2026

Total Due This Month

$0

Insurance

Insurance Policies

Provider

Type

Premium ($)

Frequency

Coverage ($)

Renewal Date

Notes

No policies yet

Net Worth Over Time

Net Worth Projection

At current savings rate

Based on your average monthly net income minus bills. Assumes consistent savings rate going forward.

Account Breakdown

No accounts yet

Assets

Name

Value ($)

Type

No assets yet

Net Worth Milestones

Milestones

Retirement

Roth IRA

2026 Contributions ($)

2026 Roth IRA Contribution Limits

Annual Limit (under 50)$7,500

Annual Limit (50+, catch-up)$8,500

Phase-out begins (Single)$153,000 MAGI

Phase-out ends (Single)$168,000 MAGI

Phase-out begins (MFJ)$242,000 MAGI

Phase-out ends (MFJ)$252,000 MAGI

Married Filing SeparatelyPhase-out: $0–$10,000

MAGI = Modified Adjusted Gross Income. If your income falls in the phase-out range, your limit is reduced proportionally. Above the upper limit, direct Roth contributions are not permitted — consult a financial advisor about backdoor Roth strategies.

Goals & Planning

Goals

Name

Target ($)

Current ($)

Color

Link to Account (auto-updates current amount)

Name

Target ($)

Current ($)

Color

Link to Account

No goals yet

Retirement Projector

Projects your Roth IRA balance assuming contributions are maxed every year. Assumes $7,500/year until age 50, then $8,500/year catch-up. Adjust the return rate to see different scenarios.

Current Age

Current Roth Balance ($)

Annual Return Rate — 7.0% (7% = historical avg)

Check Estimator

Enter your anticipated hours for the upcoming pay period. The estimator uses your historical deduction rates to project your net pay.

S1 Regular Hrs

S2 Regular Hrs

S3 Regular Hrs

OT S2 Hrs

OT S3 Hrs

Points Bonus

Pay Stubs

Period Start

Period End

Gross Pay ($)

Net Pay ($)

Total Hours

Federal Tax ($)

State Tax ($)

SS / OASDI ($)

Medicare ($)

403b / TDA ($)

Points Bonus

Bonus / Sign-on

Exclude from projections

Notes

No stubs logged yet

Edit Pay Stub

Period Start

Period End

Gross Pay ($)

Net Pay ($)

Total Hours

Federal Tax ($)

State Tax ($)

SS / OASDI ($)

Medicare ($)

403b / TDA ($)

Points Bonus

Bonus / Sign-on

Exclude from projections

Notes

Year to Date

Tax Return Estimate

2026 Projection

Log pay stubs to generate a tax return estimate

🔐

Vault

Coming soon — beneficiary registry, insurance summary,
document locator, and emergency contacts.