Income
Monthly $0
Annual salary, plus any other regular income for this person.
Other income
Subscriptions
Monthly $0
Streaming, software, memberships — anything recurring and easy to forget.
Living costs
Monthly $0
Rent or mortgage, utilities, groceries, insurance, car payment — the regulars.
Debt payoff
Monthly $0
Car loans, cards, anything with a balance you're paying down — add the APR to see a payoff estimate under each one.
Savings goals
Monthly $0
What you're setting money aside for, and how close you are.
Payoff progress
Starting balance down to zero, interest-aware.
$0 paid down
$0 left
Projected payoff
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Loan settings
From the loan docs: FHA 20-year fixed. Only the P&I portion of each payment pays the loan down — taxes, insurance and MI go to escrow and never touch the balance.
Closing / disbursement date
Everything that leaves the account
Straight to principal
Escrow — the part that isn't the loan
Balance over time solid = actual, dashed = projected
Actual balance
Projected
Log a payment
Payment ledger
| Date | Note | Amount | Escrow | Interest | Principal | Balance after |
|---|
No payments logged yet.