Settling…
Assets & debts →synced 1 day ago
Tuesday, July 21
Good morning, Maya.
The numbers may have drifted.
Cairn last synced 1 day ago.
Safe to spend$26,166
Jun net+$1,930
Left of spend plan$2,715
Net worth$515,950+$6,839
Cairn · the read
What stands out
Emergency fund
Emergency Fund$4,050 to go
$19,500 set aside toward your $23,550 target.
set aside · $19,500gap · $4,050
Why you’re seeing this
Your fund holds $19,500 against your $23,550 target — a $4,050 gap. For scale, 3 months of typical spending ($9,083.34/mo, from your spend plan) runs about $27,250.02.
Goal pacing
Kitchen Remodel$1,044.44/mo
$18,800 still to go by Jan 2028 — 18 months away.
Why you’re seeing this
$18,800 left on your savings goal by Jan 2028; 18 months ÷ remaining = $1,044.44/mo.
In progress
Goals
2 of 5 steps set
Kitchen Remodel
33%
$9,200 / $28,000
18 mo · two steps set
2 of 5 steps set
Pay Off the Card
33%
$1,350 / $4,150
Cairn · rate of growth
At today’s rates, your balance sheet moves about $20,713 a year.
assets +$21,543/yr·debts −$830/yr·≈ 4.0% of net worth
Each account’s yearly pull is its balance times its rate. A comparison, not a recommendation — a snapshot at today’s numbers, not a forecast. Hatched bars are an assumed market return; debt rates are contractual.
≈ 6% · $284,000
+$17,040
≈ 6% · $63,000
+$3,780
20.0% · $4,150
−$830
3.7% · $19,500
+$723
0% · $8,400
+$0
Focus a row to see the math behind its pull.
Income vs. spend · 6 months
Cash flow
In $9,768.27Out $7,838.62Net +$1,929.65
Top categories · Jun
Where it went
Loan Payments
Cash · before Aug 4
Safe to spend
$26,166
Room to spend beyond the usual before your next paycheck on Aug 4. The low sits near $26,166 around Aug 3.
A projection, not a promise.
Recurring · next 14 days
Coming up
Aug 2
Xfinity
monthly
$69.99
Total leaving$69.99