Immer Family Financial Dashboard
Cash Flow Management
Income allocation strategy by pay period
Paycheck Allocations
How each paycheck is allocated to bills, savings, and spending
Mid-Month Pay Period
$328 tithing | to Discover | $1,498 to BofA (rent)
Month-End Pay Period
$328 tithing | to Discover | $1,498 to BofA (rent)
VA Disability Income
Arrives last day of each month - funds tithing & savings
VA income is consistent and arrives on the last day of each month. Paychecks cover fixed expenses (rent, utilities, insurance), while VA covers tithing and savings goals. This keeps savings automatic and protected.
💼 Work Reimbursements SUBMIT MONTHLY
Palo Alto Networks reimburses these expenses. Submit receipts monthly to recover costs.
Monthly Reimbursable Expenses
Submit expense reports through Concur. Reimbursement goes back to offset Utilities category. Net cost: Internet $0, Cell $50.
Annual value: $1,680/year if submitted consistently
🙏 Total Monthly Tithing
• Mid-month paycheck: $328 (10% of $3,277.05)
• Month-end paycheck: $328 (10% of $3,277.05)
• VA disability income: $166 (10% of $1,663)
Receipt Scanner & Price Tracker
Net Worth Statement Loading...
Live data from connected banks
Checking / Operating
- Discover Cashback Debit--
- Bank of America Checking--
- PurposePays credit cards & bills
Travel Fund
- Dedicated Travel Savings--
- PurposeHawaii + Family visits
Rainy Day Fund
- Emergency Savings--
- Months of Expenses-- months
- StatusCalculating...
HSA (Health Savings)
- Current Balance--
- 2026 Contribution Rate/paycheck (/mo)
- StrategyInvest & let grow tax-free
Credit Cards
- Chase Credit Card--
- Citi Costco Visa--
- BoA Travel Rewards--
- Total CC Balance--
Retirement & Investment Accounts
- Empower 401(k)--
- E*Trade Brokerage--
- E*Trade Stock Plan (PANW)--
- Fidelity/ADP 401(k)s--
- Total Retirement--
Total Liquid Assets
| Discover Cashback Debit | -- |
| Bank of America Checking | -- |
| Travel Fund | -- |
| Rainy Day Fund | -- |
| Total Liquid Savings | -- |
| HSA (tax-advantaged) | -- |
| Credit Card Balances | -- |
| Net Liquid Position | -- |
Total Net Worth
Available for Home Down Payment
If Buying Now (VA Loan)
- Total Liquid Savings--
- Keep 3-mo Emergency Buffer--
- Available for Closing/Down--
- VA Loan Benefit$0 down required
If Waiting 12 Months
- Current Savings--
- + Monthly Savings (-- x 12)--
- Projected Total--
- After 3-mo Reserve--
Financial Overview
Year over Year Comparison ℹ Year over Year Analysis Compare your income, spending, and savings trends across years. Use the view toggle to switch between bar, line, and pie chart visualizations. Navigate between years to track your financial progress over time.
Track income, spending, and savings trends across years
2025 Overview
| Category | 2025 Actual | 2026 Budget | Monthly Cut | % Reduction |
|---|
📊 Budget Variance Analysis ℹ Budget Variance Compares 2025 actual spending to 2026 budget targets. Green = planned cuts (savings), Red = planned increases.
Bars show 2025 actual (solid) vs 2026 budget (striped). Green = savings, Red = increases.
💡 Financial Advisor Recommendations
Priority Areas for Improvement
Actionable Suggestions
- Shopping: Implement 48-hour rule before any non-essential purchase. Use wishlist instead of cart.
- Groceries: Meal plan weekly, shop with a list only, use Costco for bulk essentials.
- Dining: Limit eating out to 2x/week max. Pack lunches for work.
- Travel: Plan trips 3+ months ahead for better rates. Set annual travel budget of $2,400.
- Subscriptions: Audit monthly - cancel unused services. Current total: $181/mo.
Monthly Review Checklist
Annual Impact ℹ Annual Impact Click on any metric to see detailed breakdowns. Shows the projected financial improvement from implementing budget changes.
Click any card to see detailed breakdown
Real Estate Planning
How Down Payment Reduces Monthly Payment
While VA loan requires $0 down, putting money down reduces your monthly payment significantly. Current rent: $2,995/mo.
$500K Home - $0 Down
Over budget by ~$601/mo
$500K Home - $50K Down (10%)
Tight — $285/mo over budget
$500K Home - $100K Down (20%)
Just fits — $31/mo buffer
Requires saving ~$42K more
$500K Home - $150K Down (30%)
Comfortable — $347/mo buffer
$334/mo cheaper than rent after exemptions
Price Point Comparison (at ~6.5% rate)
$350K Home - $0 Down
Buffer: $662/mo
Only $19/mo more than rent!
$400K Home - $0 Down
Buffer: $239/mo
Better options in McKinney/Fairview
$450K Home - $50K Down
Buffer: $138/mo
Good options in Allen/Fairview
$500K Home - $100K Down
Buffer: $31/mo
Updated homes, your target area
Down Payment Impact Calculator (at ~6.5% rate)
| Home Price | Down Payment | Loan Amount | Monthly P&I | Total PITI | Monthly Budget Left |
|---|---|---|---|---|---|
| $350,000 | $0 (0%) | $350,000 | $2,212 | $3,014 | $662 |
| $400,000 | $0 (0%) | $400,000 | $2,528 | $3,437 | $239 |
| $400,000 | $40,000 (10%) | $360,000 | $2,275 | $3,184 | $492 |
| $450,000 | $50,000 (11%) | $400,000 | $2,528 | $3,538 | $138 |
| $500,000 | $0 (0%) | $500,000 | $3,160 | $4,277 | -$601 |
| $500,000 | $50,000 (10%) | $450,000 | $2,844 | $3,961 | -$285 |
| $500,000 | $100,000 (20%) | $400,000 | $2,528 | $3,645 | $31 |
| $500,000 | $150,000 (30%) | $350,000 | $2,212 | $3,329 | $347 |
| $550,000 | $100,000 (18%) | $450,000 | $2,844 | $4,068 | -$392 |
| $550,000 | $150,000 (27%) | $400,000 | $2,528 | $3,752 | -$76 |
| $600,000 | $150,000 (25%) | $450,000 | $2,844 | $4,174 | -$498 |
| $600,000 | $200,000 (33%) | $400,000 | $2,528 | $3,858 | -$182 |
* Based on VA loan rate estimate (~6.5%, Mar 2026), 30-year term. Property tax at 2.2% (Collin County). Exemptions: $100K homestead + $12K disabled vet off school taxes (~$2,500-4,000/yr savings, not reflected in table). Insurance estimated based on home value. Net monthly income: ~$8,217 (salary + VA disability).
Recommended Strategy
Option A: Buy Sooner ($400-450K)
- Down Payment$40-50K (current savings)
- Monthly Payment$3,050-$3,300
- Monthly Savings$800-1,000
- Home TypeOlder but updated
- AreasMcKinney, Fairview
Option B: Wait & Save More ($500K+)
- $100K Down
- Save for18-24 months
- Monthly Payment$3,496
- Monthly Savings$631
- $125K Down
- Save for24-30 months
- Monthly Payment$3,346
- Monthly Savings$781
- $150K Down
- Save for30-36 months
- Monthly Payment$3,196
- Monthly Savings$931
Option C: Stretch for $550-600K Home
- $550K with $150K Down
- Monthly Payment$3,596
- Monthly Savings$531
- $600K with $200K Down
- Monthly Payment$3,748
- Monthly Savings$379
- NoteRequires ~4 years saving
Key Takeaway
Every $25K extra down payment saves approximately:
- Monthly P&I Savings$150/month
- Annual Savings$1,800/year
- 30-Year Savings$54,000
Plus you pay less total interest over the life of the loan.
Retirement Planning Loading...
| Account | Provider | Balance | Source | Status |
|---|---|---|---|---|
| Palo Alto 401k | Fidelity | -- | static | Active |
| Empower 401k (LogRhythm) | Empower | -- | live | Rollover needed |
| Synoptek 401k | Fidelity | -- | static | Rollover needed |
| Content Guru 401k | ADP | -- | static | Rollover needed |
| E*Trade Stock Plan (PANW) | E*Trade | -- | live | ESPP |
| E*Trade Brokerage | E*Trade | -- | live | Cash |
| Total | -- |
Retirement Projections (7% avg return)
Projections assume current balance + $417/mo 401k contribution at 7% average annual return. Does not include ESPP or future contribution increases.
Social Security Benefits (SSA Statement, Dec 2025)
Based on $98,099/year earnings
| Retirement Age | Monthly | Annual | Notes |
|---|---|---|---|
| 62 (Early) | $2,196 | $26,352 | Reduced ~32% |
| 65 | $2,797 | $33,564 | Medicare starts |
| 67 (Full Retirement) | $3,255 | $39,060 | Full benefit |
| 70 (Maximum) | $4,080 | $48,960 | +25% from FRA |
Earnings History & SS Taxes Paid
| Year | Earnings | Year | Earnings | Year | Earnings |
|---|---|---|---|---|---|
| 2004 | $1,379 | 2012 | $31,946 | 2020 | $49,631 |
| 2005 | $7,941 | 2013 | $13,537 | 2021 | $66,562 |
| 2006 | $17,314 | 2014 | $0 | 2022 | $97,376 |
| 2007 | $19,289 | 2015 | $14,642 | 2023 | $108,772 |
| 2008 | $22,888 | 2016 | $42,427 | 2024 | $98,099 |
| 2009 | $25,018 | 2017 | $48,416 | 21 years of work | |
| 2010 | $28,543 | 2018 | $49,151 | (40 credits earned) | |
| 2011 | $30,582 | 2019 | $45,559 | ||
Benefits based on highest 35 years of earnings. Years with $0 count as zeros.
Action Items
Education Savings Plan - Owen Loading...
🐼Individual 529 College Savings Account | Age 2 | 16-year investment horizon
Account Status
- Account TypeIndividual 529 College Savings
- Current Balance$10,299.67
- Rate of Return (YTD)--
- As ofDecember 15, 2025
🎁 Ugift - Gift Contributions
- Ugift CodeE4J-61Z
- Share Ugift Link →
Share this code with family and friends for birthday/holiday gifts
Projected College Costs (2041)
TX Public In-State
Public Out-of-State
Private University
Growth Projections (Starting with $10,300)
| Additional Monthly | At Age 18 (7% return) | Covers (TX Public $200K) |
|---|---|---|
| $0/month (just let it grow) | $30,500 | 15% |
| $100/month | $68,500 | 34% |
| $200/month (Recommended) | $106,500 | 53% |
| $300/month | $144,500 | 72% |
| $350/month | $163,500 | 82% |
* Starting balance of $10,299.67 grows to ~$30,500 over 16 years at 7% even with no additional contributions.
Recommendation
Start with $100-200/month
- PriorityLower than retirement/emergency
- TimingAfter 2026 budget stable
- SupplementsScholarships, financial aid, work-study
Why Not Over-Save?
- Penalty10% + taxes on non-education use
- BetterUnder-save slightly, supplement later
- FlexibilityCan transfer to sibling if needed
Action Items
- 1. Open 529 account - DONE
- 2. Review current investment allocation (age-based vs aggressive)
- 3. Set up automatic $100-200/month contribution when budget allows
- 4. Consider asking grandparents to contribute as birthday/holiday gifts
Financial Goals
📊 Financial Advisor
Spending Velocity
Needs vs Wants
Recurring Charges
Top Merchants This Month
💬 Ask Your Financial Advisor Claude AI
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