Standing Ledger

Dashboard

Monthly Income

$12,550

All sources combined

↑ ~$173k annual

Monthly Expenses

$7,208

Fixed + variable

→ vs $12,500 budgeted

Min. Debt Payments

$3,705

Monthly obligations

Monthly Cash Flow

$1,638

After expenses & debt payments

↑ 13.0% savings rate

Net Worth

$491K

Assets minus debts

↑ Growing

Net Worth Trend

$490,780

+8.4% YTD

Expense Breakdown

$7,208/mo

Education
$1,810
Food
$1,520
Housing
$1,018
Healthcare
$825
Utilities
$460

Balance Sheet Snapshot

Regular Assets$731,700
Retirement Accounts$186,300
Total Debt$427,220
Net Worth$490,780

Key Ratios

Savings Rate
≥ 20%13.0%
Expense Ratio
≤ 80%57.4%
Debt-to-Income
≤ 36%29.5%

Active Debts

Mortgage — 218 Birchwood Ln

7.125% APR · Min $2,890/mo

$384,500

of $430,000

Auto Loan — Honda Accord

6.4% APR · Min $485/mo

$22,400

of $30,000

Student Loan — Sarah (Federal)

4.99% APR · Min $295/mo

$18,900

of $32,000

Chase Sapphire Preferred

22.99% APR · Min $35/mo

$1,420

of $1,420