Immer Family Financial Dashboard

Allen, TX 75013
Updated December 2025

Cash Flow Management

Income allocation strategy by pay period

TOTAL MONTHLY
CASH FLOW
Paychecks (2 × $3,277.05) $6,554.10
VA Disability $1,663.00
HSA Reimbursement included $606.00
Monthly Total $8,823.10
Monthly Budget Allocation
Tithing (10% of all income) $822
Rent $2,995
Electric (Ironhorse) ~ $150
Cell Phone (T-Mobile) $100
Natural Gas (Atmos) ~ $50
Water + Trash (Allenwater) ~ $150
Internet (AT&T) $90
Groceries (budget) $850
VA Disability — $1,663 / mo
House / Emergency Fund $700
Travel Fund $300
Personal — Gus $75
Personal — Stephanie $75
💼 Work Reimbursement
SUBMIT MONTHLY — Palo Alto Networks Concur
Internet (AT&T) — full $90 / mo
Cell Phone (T-Mobile) — 50% $50 / mo
Monthly Recovery $140 / mo
Annual value: $1,680 / yr if submitted every month.
Net cost: Internet $0 · Cell $50.
Monthly Bill Breakdown by posting order
Monthly Discretionary Buffer
Total Discretionary $2,043.10
Period 1 — 1st to 14th $1,029.55
Period 2 — 15th to 30th $666.55
+ VA leftover (arrives EOM) $347.00
Housing
1st
Rent
Zelle → Saritha Endapally
$2,995.00
Subscriptions
Utilities & Insurance
~9th
Electric ~
Ironhorse IH Utility
$150
~21st
Cell Phone
T-Mobile — 50% reimbursable
$100
~21st
USAA P&C Autopay
Car · Renters · Valuables
$283
~22nd
Water + Trash + Recycling ~
Allenwater — City of Allen
$150
~28th
Internet
AT&T — reimbursable
$90
~28th
Natural Gas ~
Atmos Energy — seasonal
$50
Variable
2×/mo
Groceries
$425 per paycheck period
$850.00
Giving
15th
Tithing
10% of mid-month paycheck
$328
EOM
Tithing
10% of month-end paycheck
$328
EOM
Tithing
10% of VA disability ($1,663)
$166
Total Monthly Obligations $5,630

Net Worth Statement Loading...

Synced account balances, grouped by how the money is used.

Total net worth
--
Assets minus connected liabilities
Net liquid
--
Cash after cards
Retirement
--
Household retirement
Card debt
--
Connected cards

Liquid Position

  • Discover Cashback Debit--
  • Bank of America Checking--
  • Travel savings--
  • Rainy day fund--
  • Total liquid savings--
  • Emergency coverage-- months
  • StatusCalculating...

Retirement & Investments

  • Empower 401(k)--
  • E*Trade brokerage--
  • E*Trade stock plan--
  • Other retirement accounts--
  • HSA--
  • Total retirement--

Connected Liabilities

  • Chase credit card--
  • Citi Costco Visa--
  • BoA Travel Rewards--
  • Total card debt--

Home Readiness

  • Total liquid savings--
  • 3-month reserve--
  • Available now--
  • VA loan down payment0% required

12-Month Outlook

  • Current savings--
  • Monthly savings plan$681
  • Projected savings--
  • After reserve--
-- -- -- -- -- --

Financial Overview

Connection Checking...
Last Sync --
Next Sync --

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
View
Double-click a spending bar to see category breakdown

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.

Cutting (Savings)
Increasing
View

Bars show 2025 actual (solid) vs 2026 budget (striped). Green = savings, Red = increases.

Total Cuts
$0
Total Increases
$0
Net Savings
$0

💡 Budget Recommendations

Priority Areas for Improvement

Shopping/Retail $1,366/mo → $150/mo
Save $1,216/mo
Home Goods $768/mo → $50/mo
Save $718/mo
Travel $732/mo → $200/mo
Save $532/mo
Groceries $1,164/mo → $850/mo
Save $314/mo

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

$0
Down Payment Required
VA Loan Benefit
$0
PMI
Saves $200-400/mo
WAIVED
Funding Fee
60% Disability
$10K
TX Property Tax Exemption
~$220/yr savings
CURRENT VA LOAN RATE (30-Year Fixed)
5.50%
As of December 2025 • 60% Disability = No Funding Fee
Rates vary by lender. Shop multiple lenders for best rate.

How Down Payment Reduces Monthly Payment

While VA loan requires $0 down, putting money down reduces your monthly payment significantly.

$500K Home - $0 Down

$3,937/mo
P&I: $2,839 | Tax: $898 | Ins: $200
Tight budget - $190/mo buffer

$500K Home - $25K Down (5%)

$3,795/mo
P&I: $2,697 | Tax: $898 | Ins: $200
Saves: $142/mo vs $0 down

$500K Home - $50K Down (10%)

$3,653/mo
P&I: $2,555 | Tax: $898 | Ins: $200
Saves: $284/mo vs $0 down
Uses your current savings

$500K Home - $100K Down (20%)

$3,369/mo
P&I: $2,271 | Tax: $898 | Ins: $200
Saves: $568/mo vs $0 down
Requires ~2 years more saving

Price Point Comparison (at 5.5% rate)

$350K Home - $0 Down

$2,770/mo
P&I: $1,987 | Tax: $623 | Ins: $160
Monthly Savings: $1,357
Older homes, limited options

$400K Home - $0 Down

$3,161/mo
P&I: $2,271 | Tax: $715 | Ins: $175
Monthly Savings: $966
Better options in McKinney/Fairview

$450K Home - $50K Down

$3,165/mo
P&I: $2,271 | Tax: $719 | Ins: $175
Monthly Savings: $962
Good options in Allen/Fairview

$500K Home - $50K Down

$3,653/mo
P&I: $2,555 | Tax: $898 | Ins: $200
Monthly Savings: $474
Updated homes, your target area

Down Payment Impact Calculator (at 5.5% rate)

Home Price Down Payment Loan Amount Monthly P&I Total Payment Monthly Savings Left
$400,000 $0 (0%) $400,000 $2,271 $3,161 $966
$400,000 $40,000 (10%) $360,000 $2,044 $2,934 $1,193
$450,000 $50,000 (11%) $400,000 $2,271 $3,165 $962
$500,000 $0 (0%) $500,000 $2,839 $3,937 $190
$500,000 $50,000 (10%) $450,000 $2,555 $3,653 $474
$500,000 $100,000 (20%) $400,000 $2,271 $3,369 $758
$550,000 $50,000 (9%) $500,000 $2,839 $4,039 $88
$500,000 $125,000 (25%) $375,000 $2,130 $3,228 $899
$500,000 $150,000 (30%) $350,000 $1,987 $3,085 $1,042
$550,000 $100,000 (18%) $450,000 $2,555 $3,755 $372
$550,000 $150,000 (27%) $400,000 $2,271 $3,471 $656
$600,000 $150,000 (25%) $450,000 $2,555 $3,858 $269
$600,000 $200,000 (33%) $400,000 $2,271 $3,574 $553

* Based on current 5.5% VA loan rate (Dec 2025), 30-year term. Property tax at 2.2% (Collin County with $10K VA exemption). Insurance estimated based on home value. Monthly income after fixed expenses: $4,127.

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... ℹ Retirement Planning Combined view of household retirement accounts, projections, and action items. Click an owner card to focus that person's accounts.

Household retirement accounts and planning

Gus Retirement
$69,382
PANW, IRAs, brokerage, HSA
Stephanie Retirement
--
SLALOM + WellsTrade
Household Total
$69,382
Combined retirement assets

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--
  • Rate of Return (YTD)--
  • As of--

🎁 Ugift - Gift Contributions

Share this code with family and friends for birthday/holiday gifts

Recommended 529 Plans

  • Utah my5290.12% fees
  • Nevada Vanguard0.14% fees
  • NY 529 Direct0.13% fees
  • Texas PlanNo state tax benefit (TX has none)

Projected College Costs (2041)

TX Public In-State

$200,000
4-year total | ~$50K/year

Public Out-of-State

$360,000
4-year total | ~$90K/year

Private University

$480,000
4-year total | ~$120K/year

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

Savings Goals

Total Saved
$0
Monthly Planned
$0
Remaining
$0
On Track
0/0

Settings

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Transactions & Categories

Category model and mapping rules. Keep this accurate to protect reporting, discretionary tracking, and goal-linked allocations.

Overview

Category Management

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