COTEAU CFO
Household Financial Command · Merged View
MERGED HOUSEHOLD · MONTHLY CASH FLOW STATUS
+$10,910 Left Over This Month
IN THE GREEN · SURPLUS
Monthly Income: $18,000 − Living Expenses: $5,930 − Debt Minimums: $1,160 = Weekly Safe-to-Spend: $2,520 / wk
LOG INCOME OR EXPENSE (UPDATES LEFTOVER & DONUT LIVE) Log every paycheck, bill, or daily spend
INTERACTIVE MONTHLY CASH-FLOW & SPENDING DONUT Click any slice to inspect
LEFT OVER
$10,910
61% of income
MONTHLY INCOME VS. SPENDING & LEFTOVER GRAPH +$10,910/mo Net
LOGGED MONTHLY EXPENSES & INCOME ITEMS
Showing all items
TOTAL NET WORTH (ASSETS − DEBTS) Live Balance Sheet
$796,950
Across Cash, Investments, Property & All Debts
TOTAL ASSETS (CASH + INVEST + HOME) Positive
$843,600
Cash $84,600 · Investments $499,000 · Property $260,000
TOTAL DEBTS & MONTHLY DRAG
-$46,650
$1,160/mo currently locked in minimum debt payments
INTERACTIVE NET WORTH & ASSET ALLOCATION DONUT Click slice to inspect
NET WORTH
$796,950
ASSETS VS. DEBTS BALANCE SHEET GRAPH 18.1x Assets-to-Debt
+ ADD ASSET ACCOUNT OR DEBT (CHECKING, INVESTMENTS, PROPERTY, CREDIT CARDS, LOANS)
ASSET ACCOUNTS (CASH, INVESTMENTS & PROPERTY) $843,600
DEBTS & LIABILITIES (CARDS & LOANS) -$46,650
1 · DEBT-FREE SPEED & INTEREST SAVED AVALANCHE
19 Months (May 2028)
Saves 36 months & $8,420 in interest vs. minimums
2 · FREED-UP MONTHLY INVESTING POWER Unlocked at $0 Debt
+$2,660 / mo
$1,160/mo minimums + $1,500/mo extra freed up to invest!
3 · RETIREMENT IMPACT OF PAYING OFF DEBT
+$1,420,000
Extra retirement wealth from rolling paid-off debt into investments
INTERACTIVE DEBT PAYDOWN & WHAT-IF SIMULATOR
Extra Monthly Payment Toward Debt (on top of minimums): +$1,500 / month
DEBT BALANCE PAYDOWN CURVE (MINIMUMS VS. ACCELERATED PLAN) Hits $0 in 19 mos
MONTHLY INVESTING POWER UNLOCKED AS DEBTS DIE Jumps to $5,460/mo
YOUR EXACT DEBT PAYOFF ORDER & CASH-FLOW UNLOCK SCHEDULE Every paid-off debt rolls its payment into the next debt, then into investments
PATH 1 · CURRENT BASELINE PATH Keep Current Savings
$3,640,000
Saving $2,200/mo · $12,130/mo retirement income (4% rule)
PATH 2 · SAVE MORE EACH MONTH +$490k vs. Baseline
$4,130,000
Adding +$600/mo extra savings · $13,760/mo retirement income
PATH 3 · SAVE MORE + ROLL PAID-OFF DEBTS IN +$2.18M WEALTH BOOST
$5,820,000
Rolls +$2,660/mo freed debt payments into investments after payoff!
3-PATH RETIREMENT WEALTH TRAJECTORY (REAL NUMBERS BY AGE) Goal: $3,500,000
Path 1: Baseline Path 2: Save More Now Path 3: Save More + Debt Payoff Roll-In
ADJUST YOUR RETIREMENT & SAVINGS PLAN
Current Monthly Investment / Savings: $2,200 / mo
What-If We Saved Extra Each Month (Path 2 & 3): +$600 / mo
Expected Annual Market Return: 8.5% / yr
FINANCIAL PLAN MILESTONES & SAVINGS GOALS Track concrete household targets alongside retirement