Selected work05of 09
Financial Planning
- Status
- Live demo
01 What it is
A household financial planning app. It covers income, the budget, taxes, card benefits, and net worth, and a figure entered once is used everywhere it matters.
02 The problem
Planning a household’s money means keeping pay, the budget, and taxes in step. When the same number is typed in more than one place, the copies drift apart.
03 How it works
The tabs feed each other. Property tax entered on the spending plan is the property tax used in the tax calculation. Change a salary and the tax tab, dashboard, and spending plan all move.
The tax tab computes a full return and does not use a flat effective rate. It finds the marginal rate by running the whole return again with $1,000 more income. Tax brackets and limits are stored as editable data, so a new year’s figures are typed in without a new build.
The app is one HTML file with no build step. The public demo runs on fictional data and saves only to the visitor’s browser. In the private copy I use every day, I can ask an AI agent questions about my own plan.
04 What it does
01
Dashboard
Shows net income, the savings rate, and the share of pay that goes to fixed costs, with a bar showing where every dollar goes against target ranges. A side panel ranks what needs attention and puts the most urgent item in red.
02
Income plan
Builds each paycheck line by line: gross pay, 401k contribution, deductions, tax, and take-home pay. Each person’s latest paystub is entered once, and the rest of the app reads from it.
03
Spending plan
Lays out the budget in order: fixed costs first, then investing, savings, and what is left to spend freely. Each part is measured against a target range.
04
Tax planning
Estimates the year’s federal and California tax as a full return: income, deductions, tax owed, and what has already been paid. It also estimates the tax cost of selling an investment before you sell it.
05
Card benefits
Tracks the recurring credits on credit cards by month, quarter, and half year. It marks the ones that closed unused and shows which expire soonest.
06
Net worth
Records what the household owns and what it owes, and charts the total over time.
07
Year by year
Everything that resets in January is kept per calendar year. A new year opens from the previous year’s setup, and a closed year stays as a record.
05 Status and links
Live demoPublic repo