Click account for details · use Import Data button for CSVs
Total Family Net Worth
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Assets: — | Home Equity: —
Account Balances click for details
Asset Allocation
Payroll vs Spending (Last 6 Mo)
401k est. $2,279/mo combined.
Kids 529 Plans
🎒 Elliott (2039)—
Goal: ~$198k projected FL college cost (2040)
🌸 Adelaide (2042)—
Goal: ~$232k projected FL college cost (2043)
💰 Income → Spending → Savings 6-month average
📈 Net Worth Growth Trend
Historical + logged snapshots. Log NW Snapshot monthly to build the trend.
🏦 Liquid Cash Breakdown current balances
🎓 College Fund Progress vs goal by graduation
Account Balance Changes current vs prior snapshot when available
Automation Checklist what can be imported or synced
Asset Update Center — Balance Freshness & Sources
Workflow:
Import CSV when available
Manual statement update if needed
Stale balance needs review
Use Import Data for Discover/Fidelity and manual statement values.
Every Asset & Liability source, age, and recommended update path
Account
Current Value
Source
Last Updated
Method
Status
Portfolio Positions — Fidelity Accounts
Net Worth Trend
Portfolio Allocation
Positions — All Accountsclick chips to filter · click headers to sort
Account
SymbolTicker
CompanyFull name
SharesShares held
PriceLast price
Value ▾Market value
Cost BasisPurchase cost
Gain/Loss $Value minus Cost
Gain/Loss %Total return %
Beta>1.5=high vol, <0.8=defensive
% Port.% of total portfolio
Spending Analysis — All Transactions
Spending by Category
Month-over-Month Trend
🤖 AI Spending Insights — Import transactions to enable.
📈 Savings Rate
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💸 Biggest Category
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💡 Recommendation
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Transactions — Selected Monthchange category to reclassify · saves instantly · updates all charts
Monthly Detail click month to filter
MonthClick to filter charts
Take-Home PayPayroll to Discover checking
Real SpendingExpenses excl. CC payments, transfers
Net CashTake-Home minus Spending
Discover SavesTransfers to savings accounts
401k Est.~$2,279/mo pre-tax combined
Total SavedNet surplus + Savings + 401k
Savings RateTarget: 20%+
GAAP Balance Sheet
ASSETS
Current Assets (Liquid)
Total Current Assets
Non-Current Assets
Total Non-Current
TOTAL ASSETS
LIABILITIES & NET WORTH
Liabilities
Mortgage — Primary Home
TOTAL LIABILITIES
FAMILY NET WORTH
Retirement Breakdown
House Down Payment Tracker
Progress
Effective Balance (savings + gift)
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🎁 $19,000 Register Gift included
$0Goal:
Still need: ~Months:
Discover 3054
Register gift$19,000.00
Scenarios — With Register Gift
Home Price
Down Pmt
PMI
Est. P&I
Still Need
Months
PMI at <20% down. Mortgage est. 6.8–7.2% 30-yr fixed.
Click a scenario to see the month-by-month savings schedule.
No scenario selected yet.
529 College Savings Projection
Elliott — NH Portfolio 2039 age 18 in 2040
7% avg return · $100/mo contrib · 5% college inflation
Adelaide — NH Portfolio 2042 age 18 in 2043
7.5% avg return · $100/mo contrib · 5% college inflation
Year-by-Year Projection
Year
Elliott Value
Elliott Cost
Elliott Gap
Adelaide Value
Adelaide Cost
Adelaide Gap
Monthly Cash Flow & Paycheck Forecast
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📅 Upcoming Paychecks
📊 Month Snapshot
Running Total — Current Month
Date
Description
Category
Planned
Actual
Variance
Balance
ℹ Budget items managed in Supabase budget_items table.
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Current
⏳Loading budget…—
DescriptionCategoryTypePlannedActualVar.Balance
Loading budget items…
➕ Add Budget Item
Date
Type
Description
Category
Planned Amount ($)
Recurring monthly?
Auto-adds to future months
Day of month
Variable cost: amounts that change month to month. Enter a planned estimate — update actual when spent.
🔗 Confirm Transaction Matches
Discover import found possible matches to your budget items. Confirm each to auto-fill the Actual column.
⚙ Manage Recurring Templates
These templates auto-seed each month. Toggle active/inactive to include or exclude.
Changes apply to future months — existing budget items are not affected.
📌 Download from Discover → Statements → Transaction History → Download (.csv) Columns: Transaction Date, Description, Type (Debit/Credit), Debit, Credit, Balance. New: Checking imports transactions + ending balance. Savings uploads update the selected savings balance only to avoid double-counting internal transfers.
📂
Click or drag Discover CSV here
Safe to import overlapping periods — duplicates skipped
📌 Download from Chase → Accounts → Download Account Activity → CSV Columns: Transaction Date, Post Date, Description, Category, Type, Amount, Memo. ⚠ Payment rows automatically excluded — no double-counting with Discover.
💳
Click or drag Chase CC CSV here
Payment rows skipped automatically
Future bank sync option. This is intentionally dormant while you keep testing CSV/manual imports. When you are ready, SimpleFIN should be connected through Supabase Edge Functions, not by putting an access URL or setup token into this HTML file.
Can automate later
Discover + Chase
Balances and transactions via read-only bank sync
Keep import-based
Voya + MetLife
Statement/PDF/CSV flow is still more reliable
Security model
Server-side only
No SimpleFIN secret in the webapp
What will be built later
Supabase Edge Function claims the one-time SimpleFIN setup token.
Encrypted access URL is stored server-side in Supabase, never in this page.
Account mapping connects SimpleFIN accounts to Discover, Chase, and your internal account IDs.
Sync Now imports new transactions, updates balances, runs category rules, and matches actuals to Running Budget.
Current mode: CSV/manual testing. Nothing in this tab changes your data.
📌 Download from Fidelity → Accounts → Positions → Download (CSV). All accounts in one file. Updates: positions table, position_history snapshot, and account_balances for all Fidelity accounts.
📈
Click or drag Fidelity Positions CSV here
TOD, IRA, ROTH, 529s — all accounts in one file
Review current balances and only change what needs updating. Current values are prefilled. Discover/Fidelity imports can update those accounts automatically, but you can still override a value from a statement when needed.
Update your actual combined 401k contribution estimate. This appears in the Savings Rate calculation on the Spending tab. Current default: Kate ~$570 + Johnny ~$1,709 = $2,279/mo.
Monthly 401k Contributions
Kate (MetLife per paycheck × 2)
$× 2 = $0/mo
Johnny (Voya per paycheck × 2.17)
$× 2.17 = $0/mo
Combined monthly estimate: $2,279
Logs a quarterly net worth snapshot to net_worth_history. Make sure account balances are current first. Safe to run multiple times — overwrites any existing snapshot for the same month.
📌 Download from Voya → My Account → Quarterly Statement → Download PDF
Automatically extracts all fund names, shares, prices and current balances. Updates Supabase positions instantly. Funds parsed: Fidelity 500 Index, JPMorgan Large Cap Growth, Fidelity Mid Cap Index, DFA Intl Small Companies.
📄
Click or drag Voya quarterly statement PDF
PDF from voyaretirementplans.com → Statements → Quarterly
📌 Download from MetLife → My Plan → Investment Activity → Export to CSV
File: InvestmentActivityDetail.csv — export all history for accurate fund proportions.
Enter your current total balance from MetLife website and the import will distribute proportionally.
Used to scale fund amounts
📊
Click or drag MetLife Investment Activity CSV
KateMetlife401k_InvestmentActivityDetail.csv format
📌 From MetLife → My Retirement Account → Personal Retirement Account Balance
Set date range: start Apr 1 of current year, end today → click Redisplay → copy Closing Balance.
Kate is 100% vested. Balance grows via interest credits + benefit credits each pay period.