Everything you entered, combined into your true financial picture — and a clear game plan for what to do next.
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Income
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Expenses
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Debts
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Mortgage
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Retirement
6
Summary
🎯
Your financial picture is complete.
You've done something most people never do — you know exactly where you stand. Scroll down to see your full game plan.
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Clarity Score
Monthly discretionary income
$1,840
available after all obligations — your financial breathing room
$8,500
Income
−
$3,200
Expenses
−
$1,960
Debt mins
−
$1,500
Mortgage
=
$1,840
Discretionary
Income & expenses
💰
Total monthly income
$8,500
3 income sources · W-2 primary
W-2 Employment
$6,500
Commission (avg)
$1,400
Investment income
$600
💸
Total monthly expenses
$3,200
Personal only · 8 categories
Housing
$0
Fixed expenses
$1,960
Variable expenses
$1,240
Business (excl.)
$0
Debt picture
💳
Total personal debt
$24,800
4 debts · $1,960/mo minimums
Monthly minimums
$1,960
Monthly interest cost
$312
Promo debts expiring
2
🏠
Mortgage
$312,000
6.75% · 26 years remaining
Monthly P&I
$1,500
Home equity
$113,000
LTV
73%
📊
Est. net worth
$88,200
Assets minus all liabilities
Home equity
$113,000
Retirement assets
$0
Personal debt
−$24,800
* retirement shown pre-tax
Financial health
📈 Key ratios
Debt-to-income (DTI)
31%
Within lending range. Most lenders prefer under 36%. Paying down consumer debt will improve qualification options.
Housing ratio
18%
Well within the 28% guideline. Strong housing ratio keeps lending options open.
Savings rate
22%
Discretionary income as % of gross. This is the money available to accelerate debt payoff.
Your game plan
Your Game Plan
Prioritized for your situation — highest impact first
Debt payoff plan
💧 Payoff waterfall
Strategy:
1
Promotional rate debts — pay first
Ranked by urgency score · clock is ticking
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2
Consumer debt
Highest APR first (Avalanche)
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3
Secured installment debt
Auto, student — low rate, long term
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4
Mortgage acceleration
After consumer debt eliminated — biggest long-term lever
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This month's payment plan
Discretionary available
$0
Total going out
$0
Minimums covered
$0
Accelerator sent
$0
Remaining after payments
$0
You've done the hard part
See what's possible with a free review
You've just built something most people never have — a clear, complete picture of where you stand financially. A specialist can walk you through what it means and where the biggest opportunities are. No commitment, no pressure.