My Financial Situation

• How it's built. Every rate here was reverse-engineered from your 6/5, 6/12, and 6/18 stubs and reconciles to the penny: Social Security 6.2%, Medicare 1.45%, Grand Rapids resident 1.5%, Michigan 4.25% (after a $113.65/wk exemption), and federal at your current 12% withholding bracket. Roth, taxes, and FICA all key off your true taxable wage base (gross + $0.12 group-term-life − pre-tax medical/dental/vision/HSA).
• How overtime is figured. OT (1.5×) starts past 40 hours. For weeks with holiday, sick, or PTO hours, use the Paycheck calculator in the Menu — holiday counts toward the 40 (8 holiday hours drop your straight-time ceiling to 32 before OT kicks in), while PTO and sick are straight-time add-ons outside the overtime math.
• Fixed every week regardless of hours: medical $188.56, dental $26.62, vision $3.29 (pre-tax), plus $13.83 of post-tax insurance (LTD, life policies, accident, critical illness, hospital indemnity, TM assistance) and your $11.54 phone stipend.
• Roth is yours. The 6% deferral leaves your check but lands in your retirement account — it's savings, not a cost. That's why the OT card shows it separately.
• Rent, repair, and debt sit below net pay on purpose. They're slices of your already-taxed take-home, so changing them never touches your taxes — only what's "left to spend." The debt line is the weekly slice (×12÷52) of the monthly total you set on the Debts tab, and since all three are fixed, every extra dollar of OT cash flows straight into spendable money.
• Where it stops being exact. Above roughly 70 total hours in one week your annualized wages would cross into the 22% federal bracket, so this would slightly overstate take-home on those extreme weeks. It estimates withholding, not your final tax bill. Employer match, ER HSA, and ER health costs are employer-paid and never part of take-home.
• Salary mode. The Hourly/Salary toggle is a what-if for comparing offers: it swaps the hours math for a flat annual ÷ 52 weekly gross and runs the exact same deductions, taxes, and Roth on it. The second card shows the salary's hourly equivalent (2,080 h/yr) and how its weekly net compares against your current hourly inputs — which are kept, untouched, behind the toggle. No overtime exists in salary mode, and the scenario table walks nearby salaries instead of hours.

Edit any cell — projected balances, payoff months, and totals recalculate as you type. Arrow keys move between cells. The monthly payment total feeds the weekly debt line on your Paycheck tab.

• Payments apply themselves. When a debt's due day passes, one month rolls automatically — interest accrues and the Min + Extra payment comes off the balance. Keep a balance in line with your statement by editing it any time; edits are never overwritten retroactively.
• How the projections work. The +1 / +2 month balances and months-to-pay come from standard amortization: each month, interest is the monthly rate (APR ÷ 12) on the current balance, and the rest of your payment knocks down principal. MPR is that monthly rate, shown for reference.
• Extra payments accelerate payoff. Anything in the Extra column is added to that debt's monthly payment. Your two longest, lowest-rate balances (Fed, Sallie) are where rounding APR to a whole number matters most — type a precise APR (e.g. 3.7) to match a statement exactly.
• It's take-home, not pre-tax. Debt payments come out of your already-taxed pay, so they show up on the Paycheck tab as a weekly share (monthly total × 12 ÷ 52), not as a deduction that lowers your taxes.
• Saved when possible. Your edits persist on this device, so the table should still be here next time you open it.

Recurring bills. Pick how often each one hits and the model normalizes everything to a monthly and weekly figure — the weekly total feeds the "Living expenses" line on your Paycheck tab. Arrow keys move between cells.

• Frequency does the conversion. Enter each bill at whatever cadence it actually arrives — weekly, biweekly, semi-monthly, monthly, quarterly, or yearly — and the Monthly and Weekly columns normalize it. A $240/yr subscription becomes $20/mo; a monthly bill becomes its ×12÷52 weekly slice. Bank-detected subscriptions keep their true cadence.
• Variable bills. Electric and gas swing by season, so update those amounts as the real number lands, or enter a high-month estimate if you'd rather set aside a little extra in summer and winter.
• Already on your check: your stub reimburses about $11.54/wk as a phone stipend, so your true out-of-pocket phone cost is the bill here minus that.
• Plan vs. actual. With a bank linked, the card below the table compares each category's planned monthly amount against what actually left your accounts that month.
• Saved when possible, same as the Debts tab.

What you own. Enter current values and the total feeds your net worth below — everything you own minus everything you owe on the Debts tab. Arrow keys move between cells.

• Assets are a snapshot, not cash flow. Your savings balance doesn't change what's free each week, so assets don't touch the Paycheck tab — they feed net worth instead (what you own minus what you owe).
• Watch it climb. As due dates pass on the Debts tab, your balances drop and net worth rises on its own — assets stay put, debt shrinks.
• Estimate the hard ones. For vehicles a quick market lookup is close enough; update occasionally. Cash and account balances are exact.
• Saved when possible, same as the other tabs.

Connect your bank securely through Plaid to pull your real balances (and, in the next steps, your transactions and subscriptions). Your bank login is entered inside Plaid's own window — this app never sees it, and the secure token that lets us read your data is stored on the server, never in your browser.

• Sign in first. Linked accounts ride on your synced account, so use Sign in to sync before connecting a bank.
• Balances, live. Each linked account shows its current balance; hit Sync now to refresh.
• Live and real. "Link a bank" connects to your real bank through Plaid's production servers. Balances, activity, and detected subscriptions all update from the sync.
• Your money, not moved. This is read-only. Plaid lets us see balances and transactions; it never moves a cent.

Your current week projected across a full year — if every week looked like this one. Tweak hours or rate on the Paycheck tab and these move with it.

• A rough projection, not a guarantee — your real year depends on how your hours and overtime actually land week to week. Treat it as the “if nothing changed” baseline.