Demo · sample household, not real data · every number is computed by the FiDi engine

Sample household

$568,700

Net worth · 6 linked, 3 manual · +$3,547 in 30 days

Amex last updated 2026-10-27, 3 days before this report.

American Express stopped updating

Its balances are from Oct 27 until you reconnect.

NVDA is 49% of the portfolio

A single position above 40% is concentration risk, whatever the company.

Wells Fargo Mortgage due in 6 days

$3,418 due 2026-11-05.

Amex due in 3 days

$120 due 2026-11-02.

$1,733 a year in investment fees

0.67% of $259,400 invested, where an index fund costs about 0.03%. Charged inside the account, so it never shows up as spending.

Two charges of $48.20 from the same merchant on the same day.

Sweetgreen, Chase Checking: $48.20 twice on 2026-10-28.

Net worth up $3,547 over 30 days

2026-09-30 to 2026-10-30 (part of this range is reconstructed from transactions).

SiriusXM went from $12.00 to $36.00 this month.

Chase Checking, 2026-10-01. Before it, $12.00 a month for 3 charges, 2026-07-01 to 2026-09-01.

Saving 41% of income

Well above the 20% target.

A $289 charge from a merchant you haven't paid before.

Northline Outfitters, Chase Checking, 2026-10-26. A typical charge for this household is about $62.

Financial health

76/100

strong · saving 100/100 · runway 100/100 · diversification 8/100 · debt 50/100

FIRE

Your number is $2,160,168. On your current savings you reach it in 17.2 years — at age 48.

Estimate. Contributions $59,170/yr and target spend $86,407/yr, from your transactions.the custodian separately recorded $35,250/yr of contributions over the same window — part of it this surplus moving into a linked account, part of it payroll deferrals the ledger cannot see, so the two are not added.

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Cash flow

In / mo
$12,131
Out / mo
$7,201
Saved
41%
  • Debt Payments$3,728
  • Services$1,268
  • Food & Drink$1,096
  • Housing & Utilities$272
  • Personal Care$260

from your transactions · average of 3 complete months (2026-07 to 2026-09) · 16 transfers between your own accounts excluded

Recurring

subscriptions $377/mo

  • GOOGLE PAYROLL DIR DEPpaycheck$6,933/monext 2026-11-03
  • STRIPE INC PAYROLLpaycheck$5,200/monext 2026-11-10
  • WELLS FARGO HOME MTGloan$3,418/monext 2026-10-31
  • BRIGHT HORIZONSbill$1,100/monext 2026-11-02
  • Whole Foodsrecurring$780/monext 2026-10-29
  • SOFI LOAN PMTloan$310/monext 2026-11-04

Debt

$563,600 · $3,848/mo · 32% of income

  • Wells Fargo Mortgage$540,800

    6.50% · $3,418/mofrom your accounts · due 2026-11-05 · paid off 2056-11 · +$200/mo saves $119,633 and 53 months

  • SoFi Student Loan$18,600

    rate unknown · $310/mofrom your transactions

  • Amex$4,200

    28.99% · $120/mofrom your accounts · due 2026-11-02

Portfolio

$259,400 · +$46,700 unrealized

  • NVDAequity$63,00049%
  • VTIetf$52,20041%
  • Cashcash$13,20010%

Top 3 positions are 100% of the portfolio (share of invested (non-cash) holdings in the 3 largest positions). $131,000 is in accounts with no holdings feed.

Inside your investments

18 movements · 2 accounts

Added / mo
$2,938
Dividends / mo
$206
Fees / yr
$1,733
  • 401(k) — Fidelity$9,792 in
  • Fidelity Brokerage$413 income$482 fees

from your accounts · 2 complete months averaged; totals per account are for the whole window, not per month. A payroll deferral into a 401(k) is only visible here — it never reaches a bank statement. 1 cancelled or pending movement excluded. 1 reinvested dividend reported twice by the custodian, counted once.

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Engine 2.1.0 · as of 2026-10-30 · 162 transactions since 2026-06-28 · 3 complete months · 0 days of balance history