Finance Dashboard

Data from YNAB · Last updated Sep 11, 2026, 10:59 AM UTC

August 2026 · All values shown as percentages · full detail →

Savings Rate

40%

27% 12-mo average

Budget Adherence

7/10

categories within budget

Runway

8.7 mo

of essentials, from liquid savings

Rental Coverage

129%

of cost, over 1 month let

Spending Breakdown

Rent 25%
Home Improvements Fund 16%
Groceries Fund 11%
Moving Costs 6%
Joe Student Loans 6%
Donations Fund 6%
Eating Out Fund 5%
Utilities Fund 5%

Savings Rate

40%

this month · avg 27%

What Could Be Cut

12-month spending

Essential 29%

Discretionary 71%

Essential is housing, groceries, utilities, insurance, transport, medical and debt payments — the costs that do not pause when income does. Liquid savings cover 8.7 months of those essentials, against the three-to-six months usually recommended.

Budget Adherence

3 of 10 over budget

Joe Student Loans 200%
Travel Fund 28%
Donations Fund 47%
Wellness Fund 59%
Gas and Car Maintenance/Fees Fund 70%
Social Fund 70%
Coffee Fund 98%
Date Night Fund 98%
Groceries Fund 101%
Utilities Fund 101%

Public overview — dollar amounts intentionally hidden; everything here is a ratio. Savings rate counts money moved into retirement and house savings as kept, not spent. The rental property is reported separately from household spending. Full details available via password-protected view.