✓House Account bills are pre-funded — buffer strategy is working.
●Mercy Hospital (Eric) — final payment July 2026. $113.79/mo freed for snowball after.
◎Update account balances when statements post (about once a week).
Damon — Aviation Training Consulting
Director of HR
Active
Annual Gross
$135,000
Monthly Net
$6,663
Per Paycheck
$3,332
Frequency
Semi-mo · 7th & 22nd
Pay date shifts to the earlier workday if it falls on a weekend or US federal holiday.
Brad — Pharmacy Solutions
Pharmacist
Active
Annual Gross
$142,000
Monthly Net
$11,867
Per Paycheck
$5,477
Frequency
Bi-weekly · Wed
Anchored to Wed 4/1/2026. Three checks land any month a 5th Wednesday occurs.
Damon · Next Paychecks
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Brad · Next Paychecks
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Monthly Projection · next 6 months
Months Brad gets 3 paychecks are flagged.
Combined Gross
$277,000
annual
Combined Net (typical mo)
$18,530
2 Brad checks
Annual Net Est.
$222,360
per year
Total Bills
$8,142
per month
% of Income
43.9%
of $18,530 net
Confirmed Paid
0
this month
Loan Balances
$924k
total remaining
% of Monthly Income ($18,530)
Bills as Income Share
Category Breakdown
BillsTotal: $8,142/mo
Cash Accounts
$16,150
checking + savings
Credit Balances
$1,064
owed on cards
Credit Available
$10,386
across all cards
Total Debt
$898,380
16 accounts
Debt-Free Date
Dec 2033
91 months away
Total Interest
$157,023
at current plan
Monthly Cap
$17,200
ceiling on all outflows
⚡ Payoff Simulator
Extra monthly payment impact
Drag to simulate
Monthly Cap
$17,200
all outflows ceiling
Non-Debt Bills
—
utilities, insurance, subs
Total Minimums
—
across active debts
Snowball Share
—
headroom under cap: —
Extra /mo
+$0
Months to Free
93
Years
7.8
Interest Saved
—
Debt-Free
Nov 2033
Avalanche Order — Highest APR First
■ Quick Win■ Main Attack■ Mid-Priority■ Coast
🎯 Milestones & Goals
Monthly Spending vs Expected
Category Breakdown
DAILY VIEW
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—
Due Today0
Overdue0
Coming Up This Month
Recent Activity0
CASHFLOW · END OF MONTH SUMMARY
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Each month: Prev EOM + Income (Actual or Budgeted) + Bonus − Outgoing − Tax − Additional Out = New EOM.
Year
2026
Jan Starting EOM
SAVINGS · END OF MONTH
Prev EOM + Incoming − Outgoing = New EOM. Use Additional Outgoing to log withdrawals.
Jun Starting Balance
SCHEDULE · MIN + SNOWBALL SHARE
Payment Plan
Each month shows the attack debt, the mins it owns, and how the snowball share flows on top. Both views are the same projection — switch as you prefer.
View
Window
12 mo
ESC
Quick Entry
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ESC
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