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Strong foundation
Your financial health across 9 active stages. Score based on emergency coverage, net worth, savings rate, tax efficiency, insurance, goal progress, and estate readiness.
78
/ 100
Overall health score
Net Worth
$2,104,500
Assets minus liabilities
Portfolio
$265,000
40% cash ยท Fidelity WROS
Emergency Fund
6.2 months
$45,000 liquid
Tax Rate
22.0%
Effective ยท NJ
Goals On Track
2/4
Emergency fund + Japan trip
๐Ÿค Household ยท Eric & JaneDemo mode โ€” fictional data
๐Ÿ‘† Explore any stage โ€” click to see full detail
๐Ÿ“ˆ Portfolio๐Ÿฆ Net Worth๐Ÿ’ฐ Cash Flow๐Ÿ“Š Forecast๐Ÿ›ก๏ธ Emergency๐Ÿงพ Taxโค๏ธ Insurance๐ŸŽฏ Goals๐Ÿ“œ Estate๐Ÿ”ฌ What-If Lab
๐ŸŽฏ Financial Independence Date
Jul 2032
6y 1mo away
$2100k saved76%Target: $2760k
Saving $7,467/mo
$16,667
Income/mo
$9,200
Expenses/mo
$7,467
Saved/mo
โš™ Your financial stages
โ ฟ Drag cards to reorder
โ ฟ
๐Ÿ 
90
Net Worth
$2,104,500
33% debt-to-asset ยท 778 score
โ ฟ
๐Ÿ’ฐ
80
Monthly Cash Flow
44.8% saved
$35,733 in ยท $10,813 out
โ ฟ
๐Ÿ“Š
90
Cash Flow Forecast
$16,667/mo income
Saving $7,467/mo ยท 44.8%
โ ฟ
๐Ÿ•
80
Emergency Fund
6.2 months
$45,000 liquid ยท 4.5% yield
โ ฟ
๐Ÿ“ˆ
80
Investment Portfolio
$265,000
40% cash ยท Fidelity
โ ฟ
๐ŸŽฏ
70
Goals & Timeline
2/4 on track
$57,000 saved ยท $3,300/mo
โ ฟ
๐Ÿ“‹
70
Tax Situation
22% bracket
Max 401(k) saves $5,170
โ ฟ
โค๏ธ
80
Insurance Coverage
5 active policies
$4,320/yr ยท all covered
โ ฟ
๐Ÿ“„
60
Estate Plan
73% ready
Missing trust + digital vault
โ ฟ
๐ŸŒŽ
Not set up
Economic Overlay
AI-powered
Live economic health score
โ†’ Open to set up
โ ฟ
๐Ÿ”ญ
80
What-If Lab
3 opportunities
2 warnings ยท 1 success
โ ฟ
๐Ÿค–
Not set up
AI Analysis
Set up
Overview, deep dives, chat
โ†’ Open to set up
โœจ Priority actions (6)
1
Deploy excess cash โ€” 40% in money market is above optimal allocation
This quarter
2
Maximize 401(k) contributions โ€” saves $5,170/yr at your 22% marginal rate
This quarter
3
Set up revocable living trust to avoid probate on $2.1M estate
This year
4
Subaru goal needs $667/mo more to reach 2030 target
Review
5
Emergency fund slightly above target โ€” deploy excess into higher-yield account
Review
6
Enter your financial data in Stage 11 to generate personalized AI recommendations
Start here
๐Ÿ“ˆ Setup progress
๐Ÿ  Net
90%
๐Ÿ’ฐ Monthly
80%
๐Ÿ“Š Cash
90%
๐Ÿ• Emergency
80%
๐Ÿ“ˆ Investment
80%
๐ŸŽฏ Goals
70%
๐Ÿ“‹ Tax
70%
โค๏ธ Insurance
80%
๐Ÿ“„ Estate
60%
๐ŸŒŽ Economic
โ€”
๐Ÿ”ญ What-If
80%
๐Ÿค– AI
โ€”
๐Ÿ’ณ Debt overview
Total debt
$687,500
Across all liabilities
Monthly payments
$3,400
Per month
Annual debt cost
$40,800
Interest + principal
Payoff optimizer
Open Stage 2 โ†’
๐Ÿ“… Upcoming reminders
๐Ÿ“‹
Annual estate plan review due
Jun 15
Review
๐Ÿ’ณ
Car insurance renewal: Geico Auto
Jul 1
Review