Total Net Worth
$0
↑
+$0 (0%)
past 12 months
Total Assets
$0
Total Liabilities
$0
Monthly Income
$18,500
Monthly Expenses
$12,400
Monthly Savings
$6,100
Net Worth Over Time
12-month growth trajectory
Asset Allocation
Portfolio distribution by category
💸
February Budget
$2,180 left to spend • 6 days to payday
6
On Track
3
Watch
1
Over
View Budget →
Assets
Everything you own
$0
Liabilities
Everything you owe
$469,750
Debt Breakdown by Category
Mortgages
2 loans
$435,000
92.6% of debt
Primary Residence Mortgage
6.25% APR • $3,100/mo
$400,000
HELOC - Coral Gables
8.5% APR • $500/mo
$35,000
Auto Loans
1 loan
$18,000
3.8% of debt
Tesla Model Y Loan
4.99% APR • 36 months remaining
$18,000
Credit Cards
3 cards
$8,250
1.8% of debt
Chase Sapphire Preferred
Limit: $25,000 • 21.99% APR
$4,500
Amex Blue Cash
Limit: $15,000 • 18.99% APR
$2,200
Capital One Venture
Limit: $20,000 • 19.99% APR
$1,550
Student Loans
1 loan
$8,500
1.8% of debt
Yaimi's Student Loan
FedLoan • 5.5% APR • $250/mo
$8,500
Monthly Debt Payments
$4,810/mo
| Category | Balance | Rate | Payment |
|---|---|---|---|
| Primary Mortgage | $400,000 | 6.25% | $3,100 |
| HELOC | $35,000 | 8.50% | $500 |
| Tesla Loan | $18,000 | 4.99% | $650 |
| Credit Cards | $8,250 | ~20% | $310 |
| Student Loan | $8,500 | 5.50% | $250 |
Financial Goals
Track your progress toward financial freedom
On Track
6-Month Emergency Fund
Build a safety net covering 6 months of expenses ($74,400).
$45,000
of $74,400
Ahead
Credit Card Payoff
Eliminate all credit card debt to stop paying ~20% APR interest.
$6,750 paid
of $15,000 original
On Track
$3 Million Net Worth
Reach $3M net worth through investing, business growth, and debt paydown.
$0
of $3,000,000
On Track
5 Rental Properties
Expand rental portfolio to generate $15,000+/month passive income.
0 properties
of 5 properties
📅 February 2026
$8,450
Monthly Income (After Tax)
$2,180
Left to Spend
✓ 6 days until payday
$6,270
Spent So Far
74% of monthly budget
🤔 Can I Afford It?
Restaurant This Week?
YES!
$180 left in dining budget
Movie Night?
MAYBE
$45 left in entertainment
Big Shopping Trip?
WAIT
Shopping budget maxed
Fill Up the Tank?
YES!
$95 left in gas budget
Budget by Category
● 6 on track
● 3 watch
● 1 over
🏠 Fixed Expenses (Needs)
🏠 Mortgage/Rent
$2,800 / $2,800
✓ Paid
🚗 Car Payment
$485 / $485
✓ Paid
💡 Utilities
$320 / $350
$30 under budget
🛒 Variable Expenses (Wants)
🍔 Groceries
$680 / $800
$120 left this month
🍽️ Dining Out
$320 / $500
$180 left — enjoy dinner!
🛍️ Shopping
$310 / $250
⚠️ $60 over budget!
💰 Savings & Investments
🏦 Emergency Fund
$500 / $500
✓ Auto-transferred
📈 401K Contribution
$950 / $950
✓ Pre-tax deduction
752
Score
Last updated: Feb 1, 2026
Credit Score Factors
Payment History
HIGH IMPACT
100%
No missed payments in 7+ years
Credit Utilization
HIGH IMPACT
14%
Using $8,250 of $60,000
Credit Age
MEDIUM
8 years
Average age of accounts
Recent Inquiries
LOW
2
Hard inquiries in 24 months
💡 Tips to Improve Your Credit
Keep Paying On Time
Your perfect payment history is your biggest asset.
Pay Down Credit Card Balances
Reducing to under 10% utilization could boost your score 20-30 points.
Financial Reports
Comprehensive overview of your financial health
Debt-to-Asset Ratio
0%
Under 30% is healthy
Savings Rate
33%
$6,100 saved monthly
Real Estate ROI
0%
Rental income + appreciation
Net Worth Growth
+5.4%
Year-over-year increase
Monthly Income Sources
Monthly Expense Categories
💡 Key Financial Insights
Strong Net Worth Growth
Your growth outpaces inflation. Real estate and business equity are your wealth engines.
Priority: Pay Off Credit Cards
High-interest debt is costing you money. Accelerate payoff.
Liquidity Consideration
Consider maintaining 6 months expenses in accessible accounts.
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Email
julio@inoct.com
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