Goals & Debt Tracker

5 active goals · 4 debt accounts · Projected debt-free: Sep 2030

Financial Goals

1 achieved · 3 on track · 1 at risk

✓ Achieved

Emergency Fund

6 months of living expenses in liquid savings

$63.5K100%

$0$60K target

Monthly

—

ETA

Achieved

On Track

Home Down Payment

20% down on $600K home in the Bay Area

$68.4K57%

$0$120K target

Monthly

$2,200

ETA

Mar 2027

On Track

FIRE Retirement

$2M invested for financial independence at 52

$312.0K16%

$0$2000K target

Monthly

$3,500

ETA

Age 52 (2040)

At Risk

Japan Trip

14-day trip for two including business class

$4.2K53%

$0$8K target

Monthly

$300

ETA

Dec 2025

On Track

Electric Vehicle

Tesla Model Y or similar — cash purchase

$12.8K23%

$0$55K target

Monthly

$800

ETA

Jun 2027

Add New Goal

Track savings toward a new financial milestone

Debt Management

Total Outstanding Debt

$257,500

-$2,840 this month

Mortgage + auto + student loan + CC

Weighted Avg Interest

4.82%

-0.14pp vs last yr

Across all accounts

Monthly Debt Service

$4,032

+$120 vs last mo

28.4% of gross income

Projected Debt-Free

Sep 2030

4 yrs 3 months away

Avalanche strategy

Debt Paydown Projection

Debt-free: Sep 2030 · Interest saved: $14,820

Avalanche

Highest rate first

Debt Accounts

4 accounts

Total balance:$257,500

#	Creditor / Type	Balance	APR	Min Pmt	Actual Pmt	Payoff Date
1	Chase Sapphire Reserve Credit Card	$18,100	24.99%	$362	$1,200+$838 extra	Feb 2027
2	Sallie Mae Student Loan	$22,800	6.54%	$248	$520+$272 extra	May 2029
3	Toyota Financial Auto Loan	$18,200	4.89%	$398	$398	Nov 2028
4	Wells Fargo Mortgage Mortgage	$198,400	3.25%	$2,840	$2,840	Sep 2051
Totals		$257,500	—	$3,848	$4,958+$1,110 over min

Tip: Paying $838/mo extra above minimums accelerates your debt-free date by 4.5 years and saves ~$14,820 in interest (avalanche method).