Track

Budget

Brought in
012M

$39,356/mo

Living
012M

$15,636/mo

Wealth building
012M

$5,712/mo

Cash change
012M

$1,032/mo

Over target

Aug 2026, the last closed month · Sep 2026 has 17 to review before it lands here
+$2,380 above target across 8 categories
  • Foodover by $614
    $3,114 spent · $2,500 target · over · Groceries $1,200, Restaurant $1,132, Delivery $714, Snack $68
  • Furniture & Housewaresover by $564
    $764 spent · $200 target · over
  • Giftover by $367
    $642 spent · $275 target · over
  • Home Maintenanceover by $331
    $831 spent · $500 target · over
  • Clothing & Laundryover by $256
    $456 spent · $200 target · over
  • Hygieneover by $180
    $295 spent · $115 target · over
  • Petsover by $68
    $568 spent · $500 target · over
  • Student Loanshort $326
    $174 spent · $500 floor · under the floor

Money flow

12 months ending Aug 2026 · cash basis, Echo Base + Family
Trailing 12 monthsTotalPer month
Brought in$472,267$39,356
Taxes, net of refunds− $17,367− $1,447
Living — fixed mortgage interest, insurance, utilities, cars$84,662$7,055
Living — levers food, pets, Kian, health, everything coachable$102,972$8,581
Living total− $187,634− $15,636
One-time capital solar + the winter ceiling collapse− $74,980− $6,248
Augusta rent Echo Base pays it and you receive it — the receipt is already inside Brought in− $28,000− $2,333
Ben acquisition note ends Dec 2026− $96,000− $8,000
Loan principal paid mortgage + student loan — this buys equity− $37,546− $3,129
Into investments a green + here means money came back OUT of them+ $13,433+ $1,119
Rounding per-month cents, summed over twelve months− $3
Net change, all accounts$44,170$3,681

A row with − comes off the total above it. A green + is money coming back the other way — a tax refund, or cash withdrawn from investments. The two indented Living rows are parts of the bold total, not extra charges.

Did cash go up?

checking + savings only

+$12,388

$1,032 a month. The statement above closes on every tracked account, which includes brokerage and loan balances; this is the checking-and-savings half of it.

Did balances grow?

loan principal + new investment

+$68,546

$5,712 a month, of which $37,546 is loan principal. This is the honest answer to whether net worth is growing, and it can rise in a year when cash falls.

Trend

each row is a full 12 months, so one strong month cannot distort it

Living

12 rolling annual totals · hover for a month

Wealth building

12 rolling annual totals · hover for a month
12mo endingLivingWealth buildingvs priorCash changevs prior
Sep '25$202,272$41,876—−$34,330—
Oct '25$207,359$47,239+12.8%−$2,806+$31,524
Nov '25$204,154$47,397+0.3%−$59,047−$56,241
Dec '25$200,493$51,792+9.3%−$32,180+$26,867
Jan '26$190,469$57,400+10.8%−$67,579−$35,399
Feb '26$194,080$63,047+9.8%−$71,659−$4,080
Mar '26$185,403$63,761+1.1%−$67,264+$4,395
Apr '26$181,748$59,998−5.9%−$61,831+$5,433
May '26$182,307$59,932−0.1%−$39,598+$22,233
Jun '26$184,720$69,870+16.6%−$9,967+$29,631
Jul '26$185,762$68,608−1.8%+$9,364+$19,331
Aug '26$187,634$68,546−0.1%+$12,388+$3,024

Where Living goes

trailing 12 months · levers are the coachable half

Levers

$102,972 · $8,581/mo
  • Delivery$12,460$1,038/mo
  • Restaurant$11,752$979/mo
  • Pets$11,152$929/mo
  • Kian$8,855$738/mo
  • Groceries$8,385$699/mo
  • Home Maintenance$7,180$598/mo
  • Physical Therapy$7,101$592/mo
  • Travel & Vacation$3,845$320/mo
  • Gift$3,745$312/mo
  • Doctor$3,662$305/mo
  • Furniture & Housewares$3,505$292/mo
  • Pharmacy$2,898$242/mo
  • Clothing & Laundry$2,853$238/mo
  • Home Repair$1,917$160/mo
  • Mental Therapy$1,751$146/mo
  • Hygiene$1,716$143/mo
  • Dental Care$1,680$140/mo
  • Wedding$1,650$138/mo
  • Snack$1,460$122/mo
  • Home Improvement$1,338$112/mo
  • Financial Fee$811$68/mo
  • Attraction$804$67/mo
  • Education$536$45/mo
  • Uncategorized$470$39/mo
  • Media$428$36/mo
  • Games$402$34/mo
  • Donation$351$29/mo
  • Taxi & Ride Share$172$14/mo
  • Gas & Charging$94$8/mo

Fixed

$84,662 · $7,055/mo
  • Mortgage Interest$39,274$3,273/mo
  • Auto Payment$8,388$699/mo
  • Auto Lease$5,844$487/mo
  • Auto Insurance$5,007$417/mo
  • Home Insurance$3,851$321/mo
  • Electric$3,749$312/mo
  • Security$3,372$281/mo
  • Phone$2,665$222/mo
  • Water$2,474$206/mo
  • Auto Maintenance & Fees$2,163$180/mo
  • Garbage$1,295$108/mo
  • Financial & Legal Services$1,263$105/mo
  • Gas$1,234$103/mo
  • Umbrella Insurance$1,217$101/mo
  • Software$833$69/mo
  • Payroll Service$787$66/mo
  • Health Insurance$764$64/mo
  • Electronics$266$22/mo
  • Parking & Toll$177$15/mo
  • Advertising & Promotion$39$3/mo

Food

grocery mix 38.5% vs 35% goal
MonthGroceryRestaurantDeliverySnackTotalGrocery %
Mar '26$665$1,291$1,567$197$3,72017.9%
Apr '26$725$907$716$143$2,49129.1%
May '26$842$1,702$766$226$3,53623.8%
Jun '26$670$831$1,247$181$2,92922.9%
Jul '26$727$963$870$181$2,74126.5%
Aug '26$1,200$1,132$714$68$3,11438.5%

Envelopes

YTD · 8/12 of the year
  • Travel & Vacation$908of $5,000 · ahead
  • Education$157of $250 · on-track
  • Electronics$89of $1,500 · ahead