Non-mortgage debt
—
IRS · student · charged-off
Est. net worth
—
Home equity − all debts
Monthly income
$15,641
Combined take-home
Monthly surplus
—
Available to attack debt
Debt-free target
Age 48
6 years from today
Wealth score
38 / 100
→ 84 at debt-free
Update data in →
💳 Debt Plan · balances, home value
📋 Budget Setup · income, expenses
📊 Monthly Tracker · actuals each month
Overview auto-updates when you save
⚠
Priority #1 — IRS balance requires immediate action
Wage garnishment risk · Call 800-829-1040 · Ask about OIC or CNC status
View options →
Debt breakdown
by category · total non-mortgage
IRS—
Cards—
Loans—
Student—
Income vs expenses
monthly · budget plan
Income$15,641
Expenses—
Surplus—
Wealth score
today 38/100 · at debt-free 84/100
38
today
Debt control20/40
Emergency fund0/20
Retirement8/25
Income strength10/15
Score at debt-free →
84
/ 100
Net worth trajectory
Age 42 → 65 · debt-free milestone at Age 48
Debt priority order
avalanche method · attack highest interest first
1
IRS
Wage levy risk · attack now
$38,000
2
Charged-off cards
Settle 25–50¢ · CA SOL 4 yrs
$20,000
3
Charged-off loans
Settle 30–60¢
$22,000
4
Student loans
SAVE plan · income-based
$40,000
5
Mortgage
Good debt · building equity
$608,000
Monthly income
—
Actual spent
—
Monthly budget
—
MTD variance
—
Net surplus
—
YTD · 2026
Budget
—
Actual
—
Variance
—
Months
0
Budget vs actual
select month · hover bars for details
Budget
Under
Over
Year-to-date trend
Monthly budget vs actual · surplus line
—
Line-by-line tracker
Click any row to drill in · variance updates live · notes visible inline
| Category | Budget | Actual | Variance | Status | Variance Driver / Notes |
|---|
Monthly household income & expenses
These figures populate your monthly tracker automatically
Income
$15,641
$0
Expenses (auto-generated from your categories below)
Total income
—
Total expenses
—
Monthly surplus
—
Savings rate
—
50/30/20 — Needs vs Wants vs Savings
Set your annual budget. Enter an amount in any cell — or use the base column to fill all 12 months at once.
Annual budget
—
Monthly average
—
Annual income
—
Projected surplus
—
Tip: Changes here update the monthly tracker automatically · Click a month header to jump to that month's tracker
Your debt balances
Update whenever something changes — syncs for both users
$38,000
$40,000
$22,000
$20,000
$608,000
$950,000
Non-mortgage debt
—
Home equity
—
Net worth
—
💡
Negotiation potential
Your $42K in charged-off debt could settle for $10K–$21K. Collectors buy debt for 2–7¢ on the dollar — you have leverage.
Retirement projector
$100,000
$500
Age 65
7%
Projected balance
—
Est. monthly income
—
+ SS (each)
~$2,100
Years to retire
23
Growth projection
Account priority order
1 — 401(k) to full employer match
Free money — always capture 100% before anything else.
2 — HSA (if on high-deductible plan)
Triple tax advantage. Invest it long-term.
3 — Roth IRA ($7,000/yr each)
Tax-free growth. Use backdoor Roth if over income limits.
4 — 529 for your son
He's 5 — 13 years to grow. $100/mo = ~$32K at 7%. Use CA ScholarShare 529.
5 — Max 401(k) beyond match ($23,000/yr)
After IRS resolved and emergency fund built. Every year compounds exponentially.
10-year wealth-building roadmap
From crisis to financial freedom
2025–2026 · Ages 42–43 — Crisis stabilization
Resolve IRS · negotiate charged-off accounts · SAVE plan for student loans · $1,000 emergency fund · one shared financial plan
2026–2027 · Ages 43–44 — Build the foundation
Pay off IRS · settle charged-off cards · emergency fund to $10K · begin 401(k) at minimum match
2027–2029 · Ages 44–46 — Debt avalanche in full swing
Settle charged-off loans · income-based student loan payments · emergency fund 3 months · open Roth IRAs · start son's 529
2029–2031 · Ages 46–48 — Debt freedom approaching
Mortgage only debt · extra cash 100% to retirement · emergency fund 6 months · net worth $300K+
2031–2035 · Ages 48–52 — Wealth acceleration
Max both 401(k)s + Roth IRAs · net worth $500K+ · son in middle school · invest beyond retirement
2035–2045 · Ages 52–62 — Compounding takes over
Net worth $700K–$1M+ · son's 529 ready for college · Social Security planning · consider early retirement
Net worth by age
Completed
0
Remaining
14
Completion
0%
This week Immediate
Call IRS at 800-829-1040 · request transcript · ask about CNC or installment plan
Don't wait — a levy notice can arrive with no warning.
Pull all 3 credit reports at AnnualCreditReport.com (free)
List every charged-off account, balance, and date of last activity.
Both spouses review this dashboard together
Financial success requires both partners on the same plan.
This month 30 days
Apply for SAVE income-driven repayment at studentaid.gov
Caps payments at 5% of discretionary income. Forgiveness after 20–25 years.
Send certified debt validation letters to all collection accounts
Forces collectors to prove validity before you pay anything.
Build $1,000 starter emergency fund
Sell items, overtime, side gig. This stops the debt cycle from restarting.
Requote all insurance — auto, home, life
CA families save $100–350/month by shopping. Get 3+ quotes.
Audit and cancel all unused subscriptions
Average family has $200–300/month in forgotten subscriptions.
Next 6 months Quarterly
Negotiate settlement on charged-off credit cards (target 25–35 cents)
Cash ready before calling. Check CA statute first. Written agreement before paying.
Negotiate settlement on charged-off personal loans
Same approach. Budget for 1099-C tax liability — consult CPA first.
Book 1-hour session with fee-only CFP at NAPFA.org
Fiduciary — must act in your interest. Worth every dollar.
Annual Every year
Annual family financial review — update all numbers
Both spouses present. Celebrate progress. Adjust the plan.
Confirm both spouses have 20-year term life insurance
$500K–$1M each. Your son needs coverage until he's independent.
File taxes optimally — maximize all deductions
Mortgage interest, student loan interest, 401(k), HSA — all reduce taxable income.
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Monthly Tracker
Budget Setup
Debt Plan
Retirement
Roadmap
Action Plan
Budget categories
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