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CarmenWiseStage 2 · Net Worth
June 5, 2026● Strong foundation
⚠Showing demo data — click ✏️ Edit my data (bottom right) to enter your real assets and liabilities.
Demo net worth
$826,595
$173,405 from the million dollar milestone
Total assets
$1,075,595
Total liabilities
−$249,000
Debt-to-asset
23.1%
Liquid assets
$271,595
Net worth timeline + 5-year projection
ActualProjected
2015 401k opened2017 Ring2021 House2022 Stocks + CRV2024 Mazda CX-902028 $1M projected
Credit score
740
Very Good
Top 35% of consumers
300PoorFairGoodV.GoodExc.850
Score factors
Payment history
On time · 35%
Credit utilization
High · 30%
Credit age
11 years · 15%
Credit mix
Good variety · 10%
New inquiries
Low · 10%
Quick win
Pay off $17K CC → score jumps 30–50 pts → saves ~$42K on next mortgage.
Monthly debt obligations
Total monthly debt payments
$1,941
per month leaving your household
Annual interest cost
$15,490
in interest per year
🏠 Mortgage$1,170/mo
5.0% · 25 yrs left · payoff 2051
🚗 Car loan$474/mo
6.0% · 7 yrs left · payoff 2033
💳 Credit card (min)$297/mo
~21% APR · pay off ASAP
Debt-to-income (est. $12k/mo net): 16.2% — healthy, under 36%
Home equity tracker
Current equity
60%
Home value$500,000
Mortgage remaining−$200,000
Current equity$300,000
LTV ratio40%
Purchase year2021
Years owned5 years
Rate5.0%
Payoff year2051
Equity in 5 yrs~$360,000
Equity in 10 yrs~$420,000
Annual equity gain~$12,000
Refi opportunityAt 5.5% rates
Equity builtMortgage remaining
$300,000 equity (60%)$200,000 remaining (40%)
All assets · $1,075,595
🏠
Primary residence
Purchased 2021
$500,000
46.5%
📈
Investment portfolio
Started 2022 · Fidelity
$235,700
21.9%
🏛️
Retirement account
Started 2015 · 11 yrs
$160,000
14.9%
🚗
Mazda CX-90 2025
Purchased late 2024
$50,000
4.6%
🚙
Honda CRV 2022
Purchased early 2022
$42,000
3.9%
💵
Savings account
Built 2022–2025
$35,000
3.3%
📊
Other shares
Equity interests
$35,000
3.3%
💍
Ring
Purchased 2017
$15,000
1.4%
⌚
Watch
Personal property
$2,000
0.2%
🏅
Gold bar PAMP 5g
March 2026
$895
0.1%
Total assets$1,075,595
All liabilities · $249,000
🏠
Mortgage
5.0% · 25 years left
−$200,000
$1,170/mo
🚗
Car loan
6.0% · 7 years left
−$32,000
$474/mo
💳
Credit card
~21% APR · urgent
−$17,000
$297/mo
Total liabilities−$249,000
Debt health
Credit card 21% (pay first)$17,000
Car loan 6% (good)$32,000
Mortgage 5% (good)$200,000
Credit card/yr$3,570
Car loan/yr$1,920
Mortgage/yr$10,000
Total interest/yr$15,490
Asset allocation
Primary 46%Investment 22%Retirement 15%Mazda 5%Honda 4%Savings 3%
Acquisition timeline
2015
🏛️ Retirement account opened
11 years compounding
$160,000
2017
💍 Ring purchased
8 years ago
$15,000
2021
🏠 House purchased
Biggest asset milestone
$500,000
2022
🚙 Honda CRV + stocks
Brokerage + vehicle
$277,700
2024
🚗 Mazda CX-90 2025
Late 2024 purchase
$50,000
Mar 26
🏅 PAMP Suisse gold bar
Physical gold 5g .9999
$895
Debt payoff optimizer — avalanche method (highest rate first)
$0$2,000
Payoff time
16y 4m
Total interest
$110,935
Save $307,401 in interest vs minimum payments. Pay off 23y 8m faster.
Avalanche order: Credit card → Car loan → Mortgage
Remaining debt over time
Amortization breakdown
Loan amount
$17,000
Monthly payment
$297
Total interest
$121,625
Payoff in
30 yrs
Key insights
Pay off credit card first
$17K at 21% = $3,570/yr guaranteed loss. Paying it off boosts credit score 30–50 points.
$1M net worth by ~2028
At current trajectory you cross $1M in ~2 years. Portfolio compounding + mortgage paydown gets you there.
Real estate at 46.5% of assets
Normal for a family. Worth tracking as a trend over time.
Demo data · CarmenWise Stage 2 of 11