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Financial snapshot
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How to use this website
Use these recommendations to keep your financial picture accurate, useful, and easy to maintain over time.
Best practice: Start by building out your Accounts page first, then save a snapshot, then move into Budget and Projection for planning.
Start with Accounts
- Add every asset, fund, and liability you want included in your net worth.
- Choose the correct account type for each account so projections and charts are more accurate.
- Keep liabilities in the liability sections so net worth is calculated correctly.
Save snapshots regularly
- Fill in the New Account Values column, then click Save Snapshot to preserve a new checkpoint without changing earlier snapshots.
- Use Dashboard history to compare snapshots and delete accidental entries.
- Save snapshots on a consistent schedule, such as monthly or each paycheck cycle.
Use Budget for cash flow
- Enter post-tax income, fixed expenses, and monthly allocations.
- Use Leftover Money to see whether your budget has extra cushion or is over-allocated.
- Review allocations when your income, rent, debt payment, or savings goals change.
Make Projection realistic
- Set your current age and target age to model different future outcomes.
- Add recurring contributions like monthly brokerage deposits, annual IRA contributions, and 401(k) salary percentages.
- Review return, interest, and payoff assumptions for each individual account.
Use planning tools
- Use Percentile to benchmark net worth against age-based household ranges.
- Use Car to estimate affordability before buying or financing a vehicle.
- Use Notes to track stock ideas, research, reminders, and questions to revisit later.
Protect your data
- This version stores information locally in the browser, so use the same browser/device for continuity.
- Export your snapshot CSV or Excel file periodically as a backup.
- Avoid entering sensitive login credentials or account numbers into notes or account names.
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No history yet
Target Progress
Set your net worth target
Update the target and due date here to track how much progress you’ve made and the monthly pace needed.
Due date
Choose a month and year without clicking through the calendar.
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Set a target to begin.
Add a target date to see the pace required.
Retirement Goal
See whether your projection reaches your retirement number
Set a target amount and retirement age. Money-Wise compares that goal with your current net worth and your account-based projection.
Uses your existing Projection plan
Current age, account balances, contributions, returns, debt payoff assumptions, and inflation come from the tab.
Current progress0%
Projected progress at retirement0%
Asset Breakdown
Where your money is held
Allocation
Asset mix
Assets
Net Worth Over Time
Growth history
Liabilities
Debt summary
History
All snapshots
Scroll through saved snapshots, select a row, or delete accidental snapshots.
Next step
Keep the target current
Your target progress updates automatically when you save new net worth snapshots or adjust the target near the top of this dashboard.
Total Assets$0
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Total Liabilities$0
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Net Worth$0
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Liability Ratio0%
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Budget
Monthly budget & fund distribution
Build out your month, track recurring expenses, and put the leftover money to work across the goals that matter most.
- Track expenses & subscriptions
- Calculate leftover monthly cash instantly
- Set target fund distributions
- Compare planned vs. actual investments
Monthly take-home income
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Your starting monthly cash flow
Fixed expenses
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0% of income
Savings target
$0.00
Income less expenses and spend goal
Available to invest
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Account balance less expenses
Expenses
Expenses & Subscriptions
Set monthly income, a flexible-spending guardrail, and recurring expense or subscription items.
Expense & subscription items
Expenses & Subscription totals
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Savings goal
Income after expenses$0.00
Monthly Spend Goal$0.00
Excess cash goal$0.00
Income after expenses − Monthly Spend Goal = Excess cash goal
Investments
Fund distributions
Start with account cash, subtract expenses, then compare target and actual investments.
Expenses
Leftover money
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Invested
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Actual investment mix
The chart updates as you enter end-of-month contributions.
Investment plan
Benchmark
Net worth percentile calculator
Compare a household net worth against U.S. households in the same age bracket.
Rank
Where you stand
0th—99th+
Enter an age and net worth to calculate your estimated percentile.
Reference points
Age bracket breakpoints
Use the table to see the approximate net worth needed for common percentile milestones in current dollars.
Data note: Percentile results use household-level age-bracket benchmarks derived from the Federal Reserve’s 2022 Survey of Consumer Finances, including an added 95th-percentile anchor for better upper-tail interpolation. Benchmarks are inflation-adjusted from 2022 dollars to July 2026 dollars using CPI-U. Survey sampling can still create meaningful uncertainty, especially at high percentiles, so the displayed decimal rank is an estimate rather than an exact census ranking.
Milestones
Future value
A horizontal summary of your projected outcome based on account-specific asset returns and liability interest assumptions.
Projection window
10 years
Change the target age to instantly see projected net worth at that age.
Forecast
Projected net worth
Contributions
Regular investing plan
Add recurring investments by choosing one of your existing accounts and selecting the contribution frequency. Examples: $250/month to a brokerage account, $7,500/year to Roth IRA, or 6% of salary to a 401(k).
Return assumptions
Projected by account type
Review each account’s return, interest, and payoff assumptions. Use the embedded account projection below to see the expected future value for any specific account.
Car affordability
How much car can you afford?
Estimate an affordable car budget using income, net worth, and the 20/4/10 rule.
20 / 4 / 10
Rule checklist
Rule of thumb: Put at least 20% down, finance for no more than 4 years, and keep total transportation costs near 10% or less of gross monthly income. Use this as a guardrail, not a lender approval.
Car value
Estimate a vehicle’s value
Vehicle values change based on live market data, location, mileage, trim, condition, accident history, and current demand. For a more accurate estimate, use a dedicated valuation tool instead of a generic in-app calculator.
Kelley Blue Book car value calculator
Use Kelley Blue Book to estimate trade-in, private-party, and market value. After you get the estimate, enter the real value or listing price back into Money-Wise.
Recommendation: Treat the external value as a planning estimate. For buying or selling, compare it against live listings, dealer offers, vehicle history, and local market conditions.
Template setup
Settings and data controls
This is a static front-end app. No sign-in or server is required unless you decide to add one later.
Account
Account settings
Manage your Money-Wise login details here.
Email
Signed in
Target due date
Month 2026
Build note: The app mirrors the spreadsheet structure: assets, designated funds, non-current assets, liabilities, budget distributions, money spent, net worth goals, and projected net worth. New signed-in users start with a blank profile; demo mode uses generic sample data.