One Page Financial Summary

One Page Financial Summary test version

Inputs save locally to this browser only — they're never sent anywhere. Use Export to back up your data to a JSON file you can Import back later, even on another computer. Most cells (numbers and labels) are editable and projection years carry forward by the growth/earnings rate. Click Print PDF to share.

Scenario Name:

💬 Have a suggestion? This may not work for everyone — tell us what to add next

If you have ideas for what would make this more useful, drop them here. Submissions go to the developer for the next build.

2026 Net Takehome—

2026 Net Cash Flow—

2026 Total Savings—

2026 Net Worth—

2040 Net Worth—

📊 Federal tax bracket reference (2026 est., MFJ) — click to expand · auto-suggest your effective rate

Taxable Income (MFJ)	Marginal
$0 – $24,800	10%
$24,800 – $100,500	12%
$100,500 – $214,500	22%
$214,500 – $409,000	24%
$409,000 – $519,500	32%
$519,500 – $779,000	35%
$779,000 +	37%

Your projected 2026 taxable income: — · estimated effective federal rate: —

Click a label to rename · ✕ to delete a row · + add row inside a subgroup · click a section bar to collapse · click a year header to stamp it forward · edits auto-save to your browser

Roll any Unallocated cash flow into the Cash / Emergency Fund line on the balance sheet (otherwise unallocated just sits as info)

How the model works

Orange "Start" column is your primary entry point. For cash flow rows it flows directly to 2026 (Start = 2026 value, no growth applied). For balance sheet rows it represents the end-of-period 2025 / opening balance, from which 2026 = Start × (1+growth) + contribution.

Per-spouse income types: Use the checkboxes above each spouse's section to toggle which income lines appear (Salary, Bonus, Vested Stock, Other Distribution). For Vested Stock, set the vesting period (immediate or 1–4 years) and tranches — vest income each year auto-computes as the average of grants from the prior vesting-period years.

Cash flow chain: Total Cash Income (incl. additional channels) − Pre-tax Deductions = Taxable Income → apply Tax rates → minus Post-tax Payroll Deductions = Net Takehome → minus Expenses = Net Cash Flow → split into Savings allocations.

Taxes: Total Taxes = Fed + FICA + State only. Fed already covers all taxable income (W-2, K-1, RSU vests). The two italic rows ("K-1 quarterly setaside" and "RSU vest under-withholding gap") are cash-management planning aids, not additional tax.

Balance sheet — yields/earnings rate: The growth column on each asset is its annual yield or earnings rate. The asset compounds at that rate and absorbs annual contribution from the linked savings driver. Investment Earnings section breaks out the year-over-year growth into Taxable vs Tax-Advantaged buckets.

Mortgage: Balance row uses a linear paydown approximation (estimated principal paid / yr). Use the Mortgage Calculator at the bottom of the page to compute a more accurate annual paydown from your loan balance, rate, and term.

📋 15-Year Headline Summary — scenario: Baseline

A compact view of yearly cash flow + net worth. Milestone years (2026, 2030, 2035, 2040) are highlighted.

🏠 Mortgage Calculator (estimated principal paid)

Enter your remaining loan details to estimate annual principal paydown. The "Apply" button updates the Mortgage Balance Remaining row above with the computed Year-1 principal as a flat-rate paydown approximation.

Current Balance ($) Annual Rate (%) Years Remaining

Click Calculate to see monthly P&I + average annual principal.