Checking
Day-to-day spending & bills
72.8%
$3,550/ mo
$42,600 per year
HYSA
High-yield short-term goals
5.1%
$250/ mo
$3,000 per year
Brokerage
Long-term investing
8.2%
$400/ mo
$4,800 per year
Emergency Fund
3–6 months of expenses
6.2%
$300/ mo
$3,600 per year
Retirement (401k/IRA)
401(k), IRA, Roth
7.7%
$375/ mo
$4,500 per year
Monthly cash flow into each account
Routing detail
| Source | Destination | Monthly | Annual |
|---|---|---|---|
| Pre-tax retirement (auto) | Retirement (401k/IRA) | $375 | $4,500 |
| Needs · Rent / Mortgage | Checking | $1,800 | $21,600 |
| Needs · Utilities | Checking | $200 | $2,400 |
| Needs · Groceries | Checking | $500 | $6,000 |
| Needs · Transportation | Checking | $250 | $3,000 |
| Needs · Insurance | Checking | $150 | $1,800 |
| Wants · Dining Out | Checking | $300 | $3,600 |
| Wants · Entertainment | Checking | $150 | $1,800 |
| Wants · Shopping | Checking | $200 | $2,400 |
| Wants · Travel Fund | HYSA | $250 | $3,000 |
| Savings · Emergency Fund Top-up | Emergency Fund | $300 | $3,600 |
| Savings · Taxable Investing | Brokerage | $400 | $4,800 |
| Total | $4,875 | $58,500 | |