True breathing room this month
—
After all real obligations including gas
Check 1 left
—
Check 2 left
—
William income
—
Rachel income
—
Bills this cycle
Add bills in the Bills tab.
Savings snapshot
Emergency fund
$0
Vacation
$0
Date nights
$0
2-year goals
Home ownership
Target: 2 years
In progress
Emergency fund
$0 of $9,000
Family loan
~$7,000 — honor first
Priority
First rental property
3-4 year horizon
Planning
Still to pay
$0
Paid this month
$0
William — check 1
Check amount
—
Gas
—
Left until check 2
Survival money — not safe to spend
—
William — check 2
Check amount
—
Real breathing room
—
Rachel — her lane
Monthly income
—
Her breathing room
—
Emergency fund
Emergency fund
Goal: 3 months expenses
0%
$0 savedGoal: $9,000
Savings buckets
Debt payoff — snowball
1
Family loan ~$7,000
Honor the relationship first. $200/mo minimum.
2
William credit cards
Redirect family loan payment once paid off
3
Rachel credit cards
Already in better shape — maintain
4
Personal loan
Final target — redirect everything
Monthly investment amount
Amount$20
Return %8%
Growth over time
5 years
—
10 years
—
20 years
—
30 years
—
Home affordability calculator
What home can we afford?
$500k vs $750k — payment, income needed, credit score
→
Where to start
Fidelity
Fractional shares from $1 — most trusted
Free
Robinhood
Simple interface, fractional shares
Free
Acorns
Rounds up purchases and invests the change
$3/mo
Target home price
Home price
Combined annual income
William + Rachel gross
Down payment saved
Mortgage rate %
Current market ~7%
Affordability verdict
Monthly payment breakdown
What you need to qualify
$500k vs $750k honest comparison
Credit score roadmap
580
FHA loan minimum
3.5% down required — higher rate and PMI
620
Conventional loan minimum
Can qualify but rate will not be ideal
680
Good rate territory
Lenders compete for your business here
740
Best rates available
Maximum savings over 30 years
Credit building steps
1
Get utilization below 30%
Biggest score impact. Pay Capital One to $750.
2
No new credit applications
Every hard inquiry costs points. Hold 6 months before mortgage shopping.
3
Zero late payments
Payment history is 35% of score. One late payment drops you 50-100 points.
4
Keep old accounts open
Do not close old cards. Length of history matters.
5
Request credit limit increases
Same balance, higher limit = lower utilization = higher score.
I am your HomeCFO. I know your complete financial picture and I will give you honest direct guidance. I will tell you what you need to hear not just what you want to hear. What do you want to know?
William — paycheck
Net per check
Biweekly take-home
Gas per check
Real cost — not optional
Rachel — income
Monthly net income
Enter 0 if not working
Password hints