A preview, no account needed
A few people, each partway along.
Pick the one nearest yours and see both halves — the read for today and the map ahead. The same planner reads your own numbers once your accounts are connected.
new grad · first cushion
Just started earning, building a first cushion, a small card behind her.
Today
Signals
What stands out
Emergency fund
Emergency fund$7,500 to go
$1,800 set aside toward your $9,300 target.
set aside · $1,800gap · $7,500
Why you’re seeing this
Your fund holds $1,800 against your $9,300 target — a $7,500 gap. For scale, 3 months of typical spending ($3,100/mo, from your spend plan) runs about $9,300.
Planner
Suggested order
Where you are on it
A common order for where money tends to go first — not a rule, just the general shape, with your here marked.
A starter cushionyou're here
About $1,300 from a one-month cushion.
$1,300
Any employer matchnot tracked
If a retirement match is offered at work, it's rare to find a better return on a dollar. Cairn can't see this one.
High-interest debtnot tracked
$1,200 above 10% APR — small enough it isn't blocking your path.
A full cushion
About $7,500 from 3 months of expenses.
$7,500
Tax-advantaged savingnot tracked
Retirement accounts (401k, IRA, TSP) tend to come next. Add your plan details or a paystub and Cairn can pace it.
Your other goals
1 other goal on the way.
Sample figures, not advice. Cairn shows you the shape of things; the choices stay yours.