Data coverage (focus month: 2026-10):
| Source | From | To | Txns |
|---|---|---|---|
| Chase5539_Activity20261007 | 2026-10-01 | 2026-10-06 | 25 |
| Checking | 2026-10-01 | 2026-10-01 | 2 |
| Checking(2) | 2026-10-01 | 2026-10-05 | 4 |
| CreditCard | 2026-10-01 | 2026-10-01 | 1 |
| activity(6) | 2026-10-01 | 2026-10-05 | 11 |
| Month | Outflow | Inflow | Net Cash Flow |
|---|---|---|---|
| 2026-05 | $18,105.16 | $15,226.18 | $-2,878.98 |
| 2026-06 | $12,196.67 | $20,549.54 | $8,352.87 |
| 2026-07 | $21,954.03 | $46,345.76 | $24,391.73 |
| 2026-08 | $15,832.80 | $15,937.20 | $104.40 |
| 2026-09 | $14,263.34 | $20,457.44 | $6,194.10 |
| 2026-10 | $4,979.22 | $1.00 | $-4,978.22 |
Outflow $4,979.22 · Inflow $1.00 · Net $-4,978.22
| Category | Outflow |
|---|---|
| Mortgage | $2,110.21 |
| Utilities | $0.00 |
| Food (All) | $444.79 |
Core $2,971.84 · Discretionary $2,007.38 · Core share 59.7%
| Core Component | Outflow |
|---|---|
| core:mortgage · mortgage | $2,110.21 |
| debt · auto_loan | $861.63 |
| Subcategory | Outflow |
|---|---|
| restaurants | $305.50 |
| delivery | $126.51 |
| groceries | $12.78 |
| Merchant | Outflow |
|---|---|
| DD DOORDASH CULVERSSAN FRANCISCO | $106.25 |
| SP HYDRANGEACOFFEE | $83.50 |
| SQ FAIR SHARE FARM LLC | $82.28 |
| DD DOORDASH THATPLASAN FRANCISCO | $78.53 |
| DD DOORDASH BURKESTRE | $47.98 |
| SQ CAMINO COBBLESTONE | $33.47 |
| SQ AMAIZEING KETTLE KO | $8.00 |
| COSTCO WHSE | $4.78 |
| Bucket | Transactions | Outflow |
|---|---|---|
| Amazon.com itemized | 5 | $277.00 |
| Amazon Marketplace | 6 | $230.94 |
| Amazon.com → groceries (via tips) | $0.00 | |
| Amazon.com → shopping | $277.00 |
| Date | Source | Description | Outflow |
|---|---|---|---|
| 2026-10-01 | Chase5539_Activity20261007 | KICKSTARTER.COM | $199.00 |
| 2026-10-05 | Chase5539_Activity20261007 | SP CHIKIRIYA WEBSHOP | $88.90 |
| 2026-10-01 | activity(6) | GOOGLE *WORKSPACE_YACC@GOOGLE.COM CA | $8.40 |
| 2026-10-02 | activity(6) | GOOGLE *G1SK002M G.CO/HELPPAY# CA | $1.99 |
Core $5,773.73 · Discretionary $8,489.61 · Core share 40.5%
| Core Component | Outflow |
|---|---|
| core:mortgage · mortgage | $2,110.21 |
| debt · auto_loan | $861.63 |
| home · storage | $721.00 |
| debt · hvac_financing | $621.00 |
| core:utilities · electricity | $392.82 |
| pets · supplies | $383.24 |
| core:utilities · telecom | $335.03 |
| core:utilities · water | $249.48 |
| transport · fuel | $65.99 |
| core:utilities · natural_gas | $33.33 |
| Subcategory | Outflow |
|---|---|
| groceries | $1,169.34 |
| delivery | $791.17 |
| restaurants | $758.71 |
| Bucket | Transactions | Outflow |
|---|---|---|
| Amazon.com itemized | 14 | $1,459.87 |
| Amazon Marketplace | 14 | $365.23 |
| Amazon.com → groceries (via tips) | $224.36 | |
| Amazon.com → shopping | $1,235.51 |
| Date | Source | Description | Outflow |
|---|---|---|---|
| 2026-09-24 | Chase5539_Activity20261007 | LABCORP*ONDEMAND | $96.00 |
| 2026-09-05 | Chase5539_Activity20260101_20261007_20261007 | SQ *NINA HAMILTON | $86.19 |
| 2026-09-03 | Chase5539_Activity20260101_20261007_20261007 | LABCORP*ONDEMAND | $83.25 |
| 2026-09-28 | Chase5539_Activity20261007 | Etsy.com*MiniSproutClo | $74.89 |
| 2026-09-22 | activity(6) | GOOGLE *FI ZW6Z9X G.CO/HELPPAY# CA | $24.31 |
| 2026-09-21 | Chase5539_Activity20261007 | Etsy.com*ClassyBabyTod | $21.24 |
| 2026-09-12 | activity(6) | PLUSHCARE 855-559-22SAN FRANCISCO CA | $19.99 |
| 2026-09-13 | activity(6) | PLUSHCARE 855-559-22SAN FRANCISCO CA | $19.99 |
| 2026-09-25 | Chase5539_Activity20261007 | GOOGLE *G1AI101M | $19.99 |
| 2026-09-01 | activity(6) | GOOGLE *WORKSPACE_YACC@GOOGLE.COM CA | $8.40 |
| Month | Amex | Chase | WF | Complete? |
|---|---|---|---|---|
| 2026-01 | ✅ | ✅ | ✅ | ✅ |
| 2026-02 | ✅ | ✅ | ✅ | ✅ |
| 2026-03 | ✅ | ✅ | ✅ | ✅ |
| 2026-04 | ✅ | ✅ | ✅ | ✅ |
| 2026-05 | ✅ | ✅ | ✅ | ✅ |
| 2026-06 | ✅ | ✅ | ✅ | ✅ |
| 2026-07 | ✅ | ✅ | ✅ | ✅ |
| 2026-08 | ✅ | ✅ | ✅ | ✅ |
| 2026-09 | ✅ | ✅ | ✅ | ✅ |
| 2026-10 | ◐ | ◐ | ◐ | — |
| Month | Outflow | Core | Core % | Food Delivery | Grocery Delivery (non-Amazon) | Amazon Marketplace | Amazon.com → Shop | Amazon.com → Groc | Amazon Tips Upper |
|---|---|---|---|---|---|---|---|---|---|
| 2026-04 | $17,622.89 | $3,086.70 | 17.5% | $1,366.84 | $518.22 | $699.94 | $824.21 | $619.65 | $619.65 |
| 2026-05 | $18,105.16 | $4,621.05 | 25.5% | $1,253.81 | $1,604.02 | $1,107.32 | $1,227.15 | $713.99 | $713.99 |
| 2026-06 | $12,196.67 | $3,675.86 | 30.1% | $541.27 | $756.07 | $1,703.85 | $896.42 | $554.33 | $554.33 |
| 2026-07 | $21,954.03 | $6,535.60 | 29.8% | $625.55 | $1,026.74 | $1,112.70 | $138.63 | $949.72 | $949.72 |
| 2026-08 | $15,832.80 | $5,497.95 | 34.7% | $584.49 | $864.23 | $1,878.50 | $931.28 | $756.70 | $756.70 |
| 2026-09 | $14,263.34 | $5,773.73 | 40.5% | $791.17 | $944.98 | $365.23 | $1,235.51 | $224.36 | $224.36 |
| Source | Monthly Avg | Annualized |
|---|---|---|
| Income · MedStar | $9,698.82 | $116,385.88 |
| Income · Other | $533.87 | $6,406.41 |
| Income · TriNet | $9,087.40 | $109,048.81 |
| Category | Monthly Avg | Annualized |
|---|---|---|
| Debt Service · Auto Loan | $861.63 | $10,339.56 |
| Debt Service · HVAC | $606.00 | $7,272.00 |
| Food · Delivery | $963.36 | $11,560.30 |
| Food · Groceries | $1,479.82 | $17,757.79 |
| Food · Restaurants | $703.07 | $8,436.87 |
| Fuel | $111.53 | $1,338.41 |
| Mortgage | $2,037.81 | $24,453.72 |
| Pets | $113.55 | $1,362.59 |
| Storage | $730.64 | $8,767.67 |
| Utilities | $913.63 | $10,963.60 |
| Core subtotal | $8,521.04 | $102,252.51 |
| Category | Monthly Avg | Annualized |
|---|---|---|
| Investment Mortgage | $641.97 | $7,703.66 |
| Other | $3,482.15 | $41,785.85 |
| Shopping · Amazon Marketplace | $878.72 | $10,544.69 |
| Shopping · Amazon.com | $1,202.92 | $14,435.07 |
| Shopping · Other | $2,045.68 | $24,548.13 |
| Software (biz) | $360.69 | $4,328.30 |
| Subscriptions | $562.09 | $6,745.13 |
| Discretionary subtotal | $9,174.22 | $110,090.83 |
Data sources: reports/budget/monthly_burn.csv, reports/budget/monthly_by_category.csv, transactions_normalized.csv
Showing 124 of 124 uncategorized outflow items. Set a category and adjust the pattern if needed, then click Copy to generate rules.csv entries.
| Date | Source | Description | Outflow | Pattern | Match | Category |
|---|---|---|---|---|---|---|
| 2026-09-28 | Chase5539_Activity20261007 | Etsy.com*MiniSproutClo | $74.89 | |||
| 2026-09-25 | Chase5539_Activity20261007 | GOOGLE *G1AI101M | $19.99 | |||
| 2026-09-22 | activity(6) | GOOGLE *FI ZW6Z9X G.CO/HELPPAY# CA | $24.31 | |||
| 2026-09-21 | Chase5539_Activity20261007 | Etsy.com*ClassyBabyTod | $21.24 | |||
| 2026-09-05 | Chase5539_Activity20260101_20261007_20261007 | SQ *NINA HAMILTON | $86.19 | |||
| 2026-09-01 | activity(6) | GOOGLE *WORKSPACE_YACC@GOOGLE.COM CA | $8.40 | |||
| 2026-08-15 | activity(6) | FAL FEATURES LABELS SAN FRANCISCO CA | $25.00 | |||
| 2026-08-15 | Chase5539_Activity20260101_20261007_20261007 | SQ *LUCIAM ENTERPRISES L | $22.47 | |||
| 2026-08-11 | Chase5539_Activity20260101_20261007_20261007 | Prime Video *5H1OA1031 | $6.41 | |||
| 2026-08-09 | Chase5539_Activity20260101_20261007_20261007 | SP MERI-MERI3 | $32.66 | |||
| 2026-08-09 | Chase5539_Activity20260101_20261007_20261007 | Prime Video *564KY5Y21 | $6.41 | |||
| 2026-08-01 | CreditCard | PP*DREAMTONICS 877-327-8914 CA | $171.19 | |||
| 2026-08-01 | Chase5539_Activity20260101_20261007_20261007 | SP FRESHCUT PAPER | $74.84 | |||
| 2026-07-30 | Chase5539_Activity20260101_20261007_20261007 | UNCOMMONGOODS | $110.16 | |||
| 2026-07-25 | Chase5539_Activity20260101_20261007_20261007 | SQ *NINA HAMILTON | $86.19 | |||
| 2026-07-25 | Chase5539_Activity20260101_20261007_20261007 | SQ *LUCIAM ENTERPRISES L | $17.12 | |||
| 2026-07-23 | activity(1) | PROTECTIVE* O #23701HONG KONG HK | $24.00 | |||
| 2026-07-16 | Chase5539_Activity20260101_20261007_20261007 | PAYPAL *PAPERHANDPU | $169.54 | |||
| 2026-07-12 | Chase5539_Activity20260101_20261007_20261007 | Etsy.com*UniqueTreasures | $53.25 | |||
| 2026-07-11 | Chase5539_Activity20260101_20261007_20261007 | ROSE LOS ANGELES | $265.05 | |||
| 2026-07-11 | Chase5539_Activity20260101_20261007_20261007 | SQ *LUCIAM ENTERPRISES L | $58.32 | |||
| 2026-07-06 | Chase5539_Activity20260101_20261007_20261007 | KICKSTARTER.COM | $130.00 | |||
| 2026-07-03 | Chase5539_Activity20260101_20261007_20261007 | QGV*Xerces Society Inc | $47.25 | |||
| 2026-06-19 | Chase5539_Activity20260101_20261007_20261007 | Prime Video *JI7CF3GE3 | $3.20 | |||
| 2026-06-18 | activity(6) | X CORP. PAID FEATUREBASTROP TX | $395.00 | |||
| 2026-06-18 | Chase5539_Activity20260101_20261007_20261007 | Prime Video *FC1EX04M3 | $3.20 | |||
| 2026-06-18 | Chase5539_Activity20260101_20261007_20261007 | Prime Video *532MU6J83 | $3.20 | |||
| 2026-06-17 | Chase5539_Activity20260101_20261007_20261007 | YORK SCHOOL DONATION | $250.00 | |||
| 2026-06-15 | Chase5539_Activity20260101_20261007_20261007 | SUTTON BROTHERS - SUTTONB | $105.93 | |||
| 2026-06-15 | Chase5539_Activity20260101_20261007_20261007 | SP GORUCK | $346.19 | |||
| 2026-06-11 | Chase5539_Activity20260101_20261007_20261007 | Prime Video *H42RO5MV3 | $4.27 | |||
| 2026-06-07 | Chase5539_Activity20260101_20261007_20261007 | TRANSACTION FEE | $5.00 | |||
| 2026-06-06 | Chase5539_Activity20260101_20261007_20261007 | TRACTOR SUPPLY CO #5509 | $38.49 | |||
| 2026-06-05 | Chase5539_Activity20260101_20261007_20261007 | VENMO *Callie Brown | $25.75 | |||
| 2026-06-05 | Chase5539_Activity20260101_20261007_20261007 | Prime Video *J13E83A53 | $18.68 | |||
| 2026-05-31 | Chase5539_Activity20260101_20261007_20261007 | CHOCOLATE H | $82.50 | |||
| 2026-05-19 | Chase5539_Activity20260101_20261007_20261007 | OPC*MONTEREY TAX WEB | $3,389.18 | |||
| 2026-05-19 | Chase5539_Activity20260101_20261007_20261007 | OPC TAX*SERVICE FEE | $84.39 | |||
| 2026-05-18 | Chase5539_Activity20260101_20261007_20261007 | SP SOLDERED.COM | $256.36 | |||
| 2026-05-14 | Chase5539_Activity20260101_20261007_20261007 | Prime Video *R48EJ4ZR3 | $4.27 | |||
| 2026-05-10 | Chase5539_Activity20260101_20261007_20261007 | NC ZOO SOCIETY WEBSTORE | $114.00 | |||
| 2026-05-09 | Chase5539_Activity20260101_20261007_20261007 | SSA NORTH CAROLINA ZOO | $14.96 | |||
| 2026-05-06 | activity(6) | AMERICASTESTKITCHE -800-526-8447 MA | $74.95 | |||
| 2026-04-29 | Chase5539_Activity20260101_20261007_20261007 | SQ *DIP&GO | $7.70 | |||
| 2026-04-28 | Chase5539_Activity20260101_20261007_20261007 | CTLP*VENUPLUS INC | $4.00 | |||
| 2026-04-20 | Chase5539_Activity20260101_20261007_20261007 | SGPHOTO | $319.18 | |||
| 2026-04-16 | Chase5539_Activity20260101_20261007_20261007 | Etsy | $144.62 | |||
| 2026-04-14 | Chase5539_Activity20260101_20261007_20261007 | Prime Video *BY77W99L2 | $21.39 | |||
| 2026-04-12 | Chase5539_Activity20260101_20261007_20261007 | NUNABABY.COM | $321.00 | |||
| 2026-04-08 | Chase5539_Activity20260101_20261007_20261007 | GREG GIRARD BOOKS | $143.38 | |||
| 2026-04-04 | Chase5539_Activity20260101_20261007_20261007 | SUMUP *JOHN PABON | $8.00 | |||
| 2026-04-03 | WF Joint Checking 2026 | CITI AUTOPAY PAYMENT 260402 271976771520030 M L MONGRAW-CHAFFIN | $41.00 | |||
| 2026-04-03 | Chase5539_Activity20260101_20261007_20261007 | SQ *DEWBERRY FARM | $4.64 | |||
| 2026-04-03 | Chase5539_Activity20260101_20261007_20261007 | SQ *DEWBERRY FARM | $13.65 | |||
| 2026-03-31 | Chase5539_Activity20260101_20261007_20261007 | THE WEBSTAURANT STORE INC | $833.97 | |||
| 2026-03-30 | Chase5539_Activity20260101_20261007_20261007 | Laderach USA Inc | $70.59 | |||
| 2026-03-30 | Chase5539_Activity20260101_20261007_20261007 | DEWBERRY FARM | $41.50 | |||
| 2026-03-28 | Chase5539_Activity20260101_20261007_20261007 | SP FABRICLA LLC | $58.86 | |||
| 2026-03-27 | Chase5539_Activity20260101_20261007_20261007 | SEE*SEES CANDIES MO | $179.19 | |||
| 2026-03-27 | Chase5539_Activity20260101_20261007_20261007 | VERMONT*COUNTRY STORE | $129.15 | |||
| 2026-03-16 | activity(6) | FEDEX OFFICE WINSTON SALEM NC | $120.54 | |||
| 2026-03-11 | Chase5539_Activity20260101_20261007_20261007 | USPS.COM CLICKNSHIP | $9.29 | |||
| 2026-03-08 | Chase5539_Activity20260101_20261007_20261007 | SP ROOTED FARE | $64.00 | |||
| 2026-03-03 | WF Joint Checking 2026 | CITI AUTOPAY PAYMENT 260302 271950031040105 M L MONGRAW-CHAFFIN | $41.00 | |||
| 2026-03-03 | Chase5539_Activity20260101_20261007_20261007 | PAYPAL *SGPHOTO | $116.24 | |||
| 2026-03-01 | activity(6) | GOOGLE *WORKSPACE_YACC@GOOGLE.COM CA | $8.40 | |||
| 2026-02-28 | Chase5539_Activity20260101_20261007_20261007 | SP HUMBLE ORGANICS L | $51.75 | |||
| 2026-02-24 | Chase5539_Activity20260101_20261007_20261007 | BackMarketUSMP | $300.38 | |||
| 2026-02-17 | activity(6) | DROPBOX*8BHKK2WLTWKVSAN FRANCISCO CA | $119.88 | |||
| 2026-02-10 | activity(6) | SP CACAO CARDAMOM HOUSTON TX | $93.98 | |||
| 2026-02-06 | Chase5539_Activity20260101_20261007_20261007 | KAHILTNA BIRCHWORKS | $171.75 | |||
| 2026-02-05 | Chase5539_Activity20260101_20261007_20261007 | KING ARTHUR BAKING COMPAN | $97.66 | |||
| 2026-02-04 | Chase5539_Activity20260101_20261007_20261007 | SP MAEVE CHOCOLATE | $77.70 | |||
| 2026-02-03 | WF Joint Checking 2026 | CITI AUTOPAY PAYMENT 260202 271925834220000 M L MONGRAW-CHAFFIN | $41.00 | |||
| 2026-01-28 | Chase5539_Activity20260101_20261007_20261007 | SP BAR COCOA 7888 | $132.30 | |||
| 2026-01-23 | Chase5539_Activity20260101_20261007_20261007 | TRACTOR SUPPLY CO #5509 | $98.39 | |||
| 2026-01-22 | activity(6) | GOOGLE *FI 9L8BC9 G.CO/HELPPAY# CA | $24.24 | |||
| 2026-01-21 | Chase5539_Activity20260101_20261007_20261007 | NORTHWEST ACE #10 WS | $109.09 | |||
| 2026-01-21 | Chase5539_Activity20260101_20261007_20261007 | SP FASTENERS PLUS | $87.08 | |||
| 2026-01-15 | Chase5539_Activity20260101_20261007_20261007 | SP MAJO IDEAS | $218.40 | |||
| 2025-12-21 | Chase5539_Activity20250101_20251231_20261007 | Prime Video *MN3VT6E93 | $4.06 | |||
| 2025-12-19 | Chase5539_Activity20250101_20251231_20261007 | SP TIKI BRAND | $112.35 | |||
| 2025-12-19 | Chase5539_Activity20250101_20251231_20261007 | GE APPLIANCES | $332.16 | |||
| 2025-12-18 | Chase5539_Activity20250101_20251231_20261007 | SP SUPERMARKET ITALY | $216.90 | |||
| 2025-12-16 | Chase5539_Activity20250101_20251231_20261007 | SQ *CLASSIC SPORTS CATERI | $6.41 | |||
| 2025-12-15 | Chase5539_Activity20250101_20251231_20261007 | SP BAR COCOA 7888 | $196.09 | |||
| 2025-12-15 | Chase5539_Activity20250101_20251231_20261007 | SP JACQUES TORRES | $35.61 | |||
| 2025-12-14 | Chase5539_Activity20250101_20251231_20261007 | SP EATABLE INC | $104.43 | |||
| 2025-12-13 | Chase5539_Activity20250101_20251231_20261007 | SP HUMBLE ORGANICS L | $69.00 | |||
| 2025-12-12 | Chase5539_Activity20250101_20251231_20261007 | KOKA BOOTH AMPHITHEA | $114.88 | |||
| 2025-12-10 | Chase5539_Activity20250101_20251231_20261007 | GE APPLIANCES | $47.34 | |||
| 2025-12-09 | Chase5539_Activity20250101_20251231_20261007 | IC* THE FRES VIA INSTA | $137.96 | |||
| 2025-12-09 | Chase5539_Activity20250101_20251231_20261007 | SP PARTS SOLUTION GR | $116.52 | |||
| 2025-12-08 | WF Joint Checking 2025 | CHECK # 5079 | $227.00 | |||
| 2025-12-08 | Checking(2) | CHECK | $227.00 | |||
| 2025-12-08 | Chase5539_Activity20250101_20251231_20261007 | MAISONETTE | $468.92 | |||
| 2025-12-06 | Chase5539_Activity20250101_20251231_20261007 | SP ROSA BO | $44.00 | |||
| 2025-12-02 | activity(7) | WWW.ALLIANTBIOTECH.CGRAND RAPIDS MI | $42.22 | |||
| 2025-12-02 | Chase5539_Activity20250101_20251231_20261007 | AMZ*Lenovo_USA | $758.63 | |||
| 2025-12-02 | Chase5539_Activity20250101_20251231_20261007 | SP NUGGETCOMFORT.COM | $345.61 | |||
| 2025-11-22 | activity(7) | GOOGLE *FI MT638L G.CO/HELPPAY# CA | $24.26 | |||
| 2025-11-22 | Chase5539_Activity20250101_20251231_20261007 | SQ *PURPLE HONEYBEE BOOKM | $14.00 | |||
| 2025-11-21 | Chase5539_Activity20250101_20251231_20261007 | GOLDBELLY | $61.15 | |||
| 2025-11-19 | CreditCard | LMC 49th, Inc. 718-3619161 NY | $122.24 | |||
| 2025-11-18 | Chase5539_Activity20250101_20251231_20261007 | SMITH PHILLIPS BUILDING | $667.75 | |||
| 2025-11-10 | Chase5539_Activity20250101_20251231_20261007 | ZIPBY LLC USA | $22.70 | |||
| 2025-11-09 | Chase5539_Activity20250101_20251231_20261007 | PURCHASE INTEREST CHARGE | $35.39 | |||
| 2025-11-06 | Chase5539_Activity20250101_20251231_20261007 | SPINX #135 | $17.36 | |||
| 2025-11-06 | Chase5539_Activity20250101_20251231_20261007 | WM SUPERCENTER #5879 | $74.83 | |||
| 2025-10-30 | Chase5539_Activity20250101_20251231_20261007 | SP THE SAUNA PLACE | $182.96 | |||
| 2025-10-28 | WF Joint Checking 2025 | CASHED CHECK # 5078 | $2,000.00 | |||
| 2025-10-28 | Checking(2) | CASHED CHECK | $2,000.00 | |||
| 2025-10-27 | Chase5539_Activity20250101_20251231_20261007 | Prime Video *N40XZ9HS0 | $4.27 | |||
| 2025-10-24 | CreditCard | SQ *MEXI-CALI Winston-SalemNC | $2.30 | |||
| 2025-10-24 | CreditCard | SQ *MEXI-CALI Greensboro NC | $31.20 | |||
| 2025-10-22 | activity(7) | GOOGLE *FI FCZ487 G.CO/HELPPAY# CA | $24.26 | |||
| 2025-10-22 | CreditCard | SWEETWATER SOUND 260-432-8176 IN | $51.30 | |||
| 2025-10-17 | CreditCard | NATIONAL BALLOON RALLY STATESVILLE NC | $14.95 | |||
| 2025-10-12 | CreditCard | FRESHCUT PA 978-759-2500 MA | $62.72 | |||
| 2025-10-11 | CreditCard | MAJO IDEAS 917-839-9237 NY | $29.71 | |||
| 2025-10-09 | Chase5539_Activity20250101_20251231_20261007 | PURCHASE INTEREST CHARGE | $431.73 | |||
| 2025-10-06 | Chase5539_Activity20250101_20251231_20261007 | Etsy.com*Piechartpress | $35.47 | |||
| 2025-10-03 | WF Joint Checking 2025 | CITI AUTOPAY PAYMENT 251002 271818700910150 M L MONGRAW-CHAFFIN | $41.00 | |||
| 2025-10-03 | Chase5539_Activity20250101_20251231_20261007 | SQ *BARNES FAMILY FARM & | $193.25 |
| Component | $/mo |
|---|---|
| Raw avg outflow | $16,687.66 |
| − Rental property | $467.22 |
| − Business | $675.42 |
| − One‑offs | $1,680.54 |
| ± Fixed normalization | $-288.82 |
| Irregular: replace actual with accrual | $-977.64 |
| = Normalized burn | $12,412.44 |
Artifacts: post_w2_baseline.md · post_w2_baseline.json · normalization_bridge.csv
# Post‑W2 Baseline - Normalized household burn/month: $12,412.44 - Normalized household burn/year: $148,949.33 - Low‑friction target/month: $10,918.23 - Morgana take‑home: $9,820.61 - Monthly gap (normalized): $2,591.83 - Monthly gap (target): $1,097.62 ## Bridge - Raw average monthly outflow: $16,687.66 - Suspected duplicates (not excluded): $2,661.28 - Less: rental‑property flows: $467.22/mo - Less: professional/business: $675.42/mo - Less: genuine one‑offs: $1,680.54/mo - Plus/Minus: fixed recurring normalization: $-288.82/mo - Replace irregular actual with accrual: $-977.64/mo - = Normalized current household burn: $12,412.44/mo ## Behavior Breakdown (monthly) - Fixed obligations: $4,157.76 - Variable baseline: $3,694.85 - Lifestyle recurring: $2,403.15 - Irregular accrual (added): $1,849.80 - Unknown (needs ruling): $213.67 ## Fixed Obligations (detected) - Auto loan: ~$861.63/mo (first 2026-07-09, proj end 2029-07-09) · ask: confirm remaining term/payoff date - HVAC financing: ~$606.00/mo (first 2026-08-17, proj end 2027-08-17) · ask: confirm remaining term/payoff date - Storage: ~$721.00/mo · ask: confirm expected end date ## Variable Baseline (distributions) - groceries: mean $3,446.89; median $3,326.09; p25 $2,799.59; p75 $3,777.44; t3 $3,216.71; t6 $3,217.05 - fuel: mean $111.53; median $84.52; p25 $62.67; p75 $102.56; t3 $114.42; t6 $96.41 - household_pets: mean $332.11; median $298.81; p25 $232.12; p75 $364.79; t3 $375.52; t6 $301.64 ## Top Five Plausible Savings - Reduce food delivery to 25th percentile: save ~$495.66/mo (current $1,666.43 → target $1,170.77) - Reduce restaurants to 25th percentile: save ~$364.41/mo (current $703.07 → target $338.66) - Cancel or pause subscription: ECM A LEGALZOOM COMOUNTAIN VIEW: save ~$217.62/mo (current $217.62 → target $0.00) - Cancel or pause subscription: APLPAY APPLECOMBILINTERNET CHARGE: save ~$116.13/mo (current $116.13 → target $0.00) - Cancel Amex card renewal: save ~$54.17/mo (current $54.17 → target $0.00) ## Unknown / Needs Ruling - Amount still unknown (monthly): $213.67 - See ruling queue: /Users/danopato/lifeboat/reports/budget/ruling_queue.csv ## Confidence / Range - Estimated range: $11,616.30 – $12,766.70 per month