Overview
A roll-forward from your balances as they stand on 31 Oct 2026, on your real pay dates and due dates. No returns assumed, no inflation, no advice — arithmetic on your own numbers.
What this comes to
Read off the daily series, so every date is a day rather than a month.
- Lowest point
- $378.08
- 14 Feb 2027
- Crosses zero
- Never
- in this horizon
- Highest point
- $11,810.92
- 30 Oct 2027
- End of horizon
- $11,764.63
- after $17,258.56 of modelled spending
- Net worth then
- $148,425.43
- cash, plus what you own, less what you owe
- Auto loan clears
- 28 Feb 2027
- on this plan
- Visa clears
- 1 May 2027
- on this plan
Cash flow, day by day
Every day between now and the horizon, on one line. Hover a day for what lands on it; click it to open its month.
What if
Change one thing — cut a category, add a one-off, move your income — and watch it as a second line against this one.
Every period, and what produced it
Open a month to see it day by day, with the items behind its change — and to change what it spends.
| Period | Change | Balance |
|---|---|---|
| Today, 31 Oct 2026 | your balance | $6,946.16 |
| 31–31 Oct | −$38.56 | $6,907.60 |
| Nov 2026 | +$14.00 | $6,921.60 |
| Dec 2026 | −$1,828.00 | $5,093.60 |
| Jan 2027 | −$13.00 | $5,080.60 |
| Feb 2027 | +$58.42 | $5,139.02 |
| Mar 2027 | +$452.00 | $5,591.02 |
| Apr 2027 | +$452.00 | $6,043.02 |
| May 2027 | +$461.61 | $6,504.63 |
| Jun 2027 | +$1,052.00 | $7,556.63 |
| Jul 2027 | +$1,052.00 | $8,608.63 |
| Aug 2027 | +$1,052.00 | $9,660.63 |
| Sep 2027 | +$1,052.00 | $10,712.63 |
| Oct 2027 | +$1,052.00 | $11,764.63 |
What you have and what you owe
Every account in your plan. The three subtotals add up to your net worth, and anything you have left out of it says so.
| Account | Today | In 12 months |
|---|---|---|
| Cash | ||
| Checking | $5,836.16 | — |
| Savings | $1,050.00 | — |
| Cash | $60.00 | — |
| Old checking· not counted | $0.00 | $0.00 |
| Cash | $6,946.16 | $11,764.63 |
| What you own | ||
| Home | $385,000.00 | $385,000.00 |
| Brokerage | $12,400.00 | $12,400.00 |
| What you own | $397,400.00 | $397,400.00 |
| What you owe | ||
| Visa· $600.00 a month | −$3,860.00 | clear 1 May 2027 |
| Mortgage· $1,680.00 a month | −$246,000.00 | −$241,434.25 |
| Auto loan· $420.00 a month | −$1,630.00 | clear 28 Feb 2027 |
| Student loan· $260.00 a month | −$21,300.00 | −$19,304.95 |
| What you owe | −$272,790.00 | −$260,739.20 |
| Net worth | $131,556.16 | $148,425.43 |
Built from your plan — the accounts that count, what you earn, what you owe and what you spend. Change any of it and the chart follows.Edit your plan