Binni's Nest
Our nest. Our family. Our plan.
Monthly Income
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Monthly Expenses
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Net Cash Flow
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Net Worth
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Financial Health
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Calculating...
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↗ Tap for breakdown
Savings Rate
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— /mo
Net Worth
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— assets · — liabilities
Paychecks
Tony · Bi-weekly
Gross —
→
Take-home —
Rachael · Semi-monthly
Gross —
→
Take-home —
Pre-tax contribs
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Est. taxes
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Combined take-home
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Yearly Expenses — Sinking Funds
Planned spending set aside monthly — taken from take-home before budgeting
Take-home —
− sinking funds —
Left for monthly budget
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Monthly Budget Breakdown
▼
Needs
—%
—/mo
Wants
—%
—/mo
Savings
—%
—/mo
Monthly Expenses
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Asset Allocation
Assets
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Liabilities
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HYSA Fund Allocation
Combined HYSA Balance
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Unallocated
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2026 Tax-Advantaged Contribution Limits
Your Details
yrs · auto
yrs
$ · auto
Return Rate Assumption
7.0%
5% stress test7% base plan10% optimistic
%
Contribution Sources
Total Monthly
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Projected at Retirement
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Total You Contribute
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Investment Growth
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Portfolio Growth Over Time
Milestones
Safe Withdrawal & Retirement Runway
Withdrawal rate:
%
Post-ret. return:
%
Conservative estimate · 75% of projected benefit · not guaranteed
Portfolio Runway at Retirement
Balance Drawdown Over Time
Return Rate Scenarios at Retirement
Monthly Actuals — 2026
Enter what you actually spent each month. Compare vs your budget.
View month:
Year at a Glance — Spending vs Budget
Monthly Expenses — January
Regular budget only · sinking fund spending tracked separately below
✏ Amounts editable · budget column overridable per month
| Category | Budget ✏ /mo | Actual | Variance |
|---|---|---|---|
| Total | — | — | — |
Yearly Expenses — Sinking Fund Activity
Spending drawn from HYSA this month · separate from monthly budget · positive net = HYSA grew
| Fund | Contributed | Spent from HYSA | Net |
|---|---|---|---|
| Total | — | — | — |
🗓️ Yearly Expenses Fund
Separate HYSA for planned yearly costs — travel, home maintenance, and other recurring expenses.
HYSA Balance
$
Edit to sync with your actual account · updates Net Worth
Monthly Deposit
—
from your budget expense line
Links to expense row matching "yearly"
Allocated vs Available
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✈️
Travel
Trips, flights, hotels, experiences
$0
🏠
Home Maintenance
Routine upkeep, upgrades, repairs
$0
📦
Other Yearly Expenses
Everything else — gifts, gear, subscriptions, etc.
$0
Log a Spend from this HYSA
When you actually spend money, log it here to reduce your HYSA balance.
Category
Amount Spent
$
Date
Description
No spends logged yet.
Monthly Deposit History
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No deposits credited yet.
Income Editor
Update your pay when you get a raise. The raise calculator shows the downstream effect before you commit.
🧮 Raise Calculator
Model a pay change — see the downstream effect on cash flow, savings rate, and contributions before you apply it.
Whose salary?
New annual gross salary
$
/yr
Est. effective tax rate
% (no TX state tax)
Pay schedule
Tony — Current Income Rows
✏ Edit directly
Monthly total
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Rachael — Current Income Rows
✏ Edit directly
Monthly total
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Contribution Rates
✏ Edit directly — changes sync to Budget tab