Overview
Zachary Callaway
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Zachary
Callaway.
Health Score
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Accounts
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CIT Bank
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--
3.75% APY
Freelance YTD
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earned this year
Robinhood
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--
brokerage
401k
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--
The Standard
Checking
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--
Chase
CC Debt
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Chase Freedom
Chase Savings
--
savings account
Student Loans
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active balance
Monthly Cash Flow
—
6.8% Interest Accrual
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Per Day
—
Accrued MTD
—
Goals
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Fixed Bills This Month
Bill
Budget
Paid / Δ
Mortgage
$3,470
$3,470 / $0
Car Lease
$454
$454 / $0
Utilities & Phone
$279
$279 / $0
Subscriptions
$28
$28 / $0
IBR Payment
$743
Pending
Total Fixed
$4,974
$4,231 / +$743
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How much can I spend today?
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AI
—
per day to stay under goal
Days left
—
Spent MTD
—
$0 spent
$1,500 goal
Remaining budget
—
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This week
/week
/day
Total
—
—
TRACKING
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Weekly tracked categories
Limits pull from your category limits ÷ weeks remaining this month.
Done
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At your current pace
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AI
school
Loan 1-04 payoff calculating...
Snowball target — next in line
savings
401k projection calculating...
At current contribution + 7% return
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CIT projection calculating...
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6.8% Loan Payoff Timeline
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AI
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Today's win
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savings
Overall Trend
YTD
1Y
All
Total Savings Over Time
YTD
1Y
2Y
5Y
All
🏠 Since Purchase
Last 10 Entries
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Categories
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6-Month Overview
Spend
—
Reimbursed
$0
By Category
Grouped
High
Low
A–Z
Limit
Limits allocated
$0 / $1,500
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6.8% Loan Payoff Projection
Base (IBR only)
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—
→
With Extra
—
—
On schedule with IBR payments
Extra Payments
None scheduled
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Total Balance History
Actual
IBR Projection
Snowball Progress
Priority
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Balance
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APR
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Name
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Active Loans
Paid Off
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Contribution
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2%
pre-tax
2025 Return
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0%
annualized
Readiness
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0%
score
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Open Portal
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Projection Scenarios
Age 40
Age 50
Age 60
Employer Match
Formula
½ of up to 4%
At current rate
—
At 3%
—
At 4% (full)
—
Left on table/yr
—
Your Contribution / Paycheck
Based on
$77,280
salary · 24 paychecks/yr
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2% (current)
—
3%
—
4% (full match)
—
Projects
Earnings
Taxes
Revenue
Build
visibility
AI reads these values
Paid
$0
Outstanding
$0
In Progress
$0
Projects
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Avg Project
—
Total Hours
—
Eff. Rate
—
Avg Cost/SF
—
Avg SF
—
info
More Info
Invoice Aging
No outstanding invoices
0 projects
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All-Time
$0
Best Year
—
—
Income by Year (payment received)
—
—
—
—
Quarterly Revenue
Q1
Q2
Q3
Q4
Quarter Detail
Invoice
Estimate
Select Unpaid Invoices
No unpaid invoices found.
Selected Total
$0.00
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Build Invoice (.xlsx)
Quote #
Project
Client Addr
Rate ($/hr)
Categories
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Tasks
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Subtotal
$0.00
Overhead (12%)
$0.00
Total
$0.00
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Build Quote (.xlsx)
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Cost
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Debug Info ↓
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Progress
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Savings
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Spending
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Loans
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401k
architecture
Freelance
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Projects
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Info
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Monthly Health Report
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Amount ($)
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Date
Chase Checking ($)
CIT Bank ($)
Robinhood ($)
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Today's Numbers
✕
Chase Checking ($)
CIT Savings ($)
Card Spend MTD ($)
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Add Planned Purchase
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Description
Amount ($)
Month
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Add Payment
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Current Balance
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Payment
Set Balance
Payment Amount ($)
New Balance ($)
Date
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Update Loan
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Current Balance ($)
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New Project
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Project Name
Status
Planning
In Progress
Done
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Link (optional)
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Description
Unit Cost ($)
Qty
Notes (optional)
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AI Weight — how much should this drive the summary?
Notes & Comments
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Cross off
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Archive
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Delete
Dining limit
Category turns yellow at 80%, red when exceeded. Set 0 to clear.
Monthly limit ($)
All limits total
$0 / $1,500
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Recategorize
Keyword match: any future transaction containing these words will use this category.
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Amount
Category
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One-time expense
AI won't count this as a spending habit
Add Payment
Record a payment received
Date Received
Amount Received ($)
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Add Payment
FREELANCE — PROJECT SHEET ═══════════════════════════════════════════════════ -->
Project
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Sessions subtotal
$0.00
Overhead (
20
%)
$0.00
Total
$0.00
Paid to date
$0.00
Balance due
$0.00
Sessions & Invoices
receipt
Invoice
add
Session
Add Session
Work session details
Session Name
Date
Hourly
Fixed Fee
Hourly Rate ($)
Hours
Total Fixed Fee ($)
Session Subtotal
$0.00
Additional Notes
Cancel
Save Session
Delete Session
New Invoice
Select sessions to include
Invoice Name
Sessions subtotal
$0.00
Overhead
%
$0.00
Invoice Total
$0.00
Sessions Included
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Payments Received
+ Add
Total paid
$0.00
Balance
$0.00
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Save Invoice
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Project Metadata
New Project
Fill in project details
Project Name
Location (City or Address)
Total SF (optional)
Year Started
Status
In Progress
Outstanding
Paid
Billing Type
Hourly
Fixed Fee
Hourly Rate ($)
Planned Total Cost ($)
Planned Hours
—
YTD Total Cost
$0.00
YTD Hours
0
Hours Left
—
Fixed Fee ($)
Hourly Rate ($)
Projected Hours
—
(Fee ÷ 1.2) ÷ rate
Project Details
# of Stories
# of Concepts
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0
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Additional Info
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Categories
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Net worth
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