Household Finance DemoDComputed live from the transaction ledger, including site edits. Data as of Oct 22.
Synthetic demo household stayed within its monthly plan.
| Line | Actual | Budget | Over / under |
|---|---|---|---|
| Home Expenses | $3,135.03 | $3,250.00 | −$114.97 |
| Child/Dependent Expenses | $1,261.44 | $1,300.00 | −$38.56 |
| Groceries | $478.81 | $750.00 | −$271.19 |
| Restaurants/Dining | $166.13 | $350.00 | −$183.87 |
| Automotive Expenses | $138.92 | $700.00 | −$561.08 |
| Healthcare/Medical | $53.74 | $180.00 | −$126.26 |
| Insurance | $182.01 | $200.00 | −$17.99 |
| Subscriptions | $43.98 | $100.00 | −$56.02 |
| Loans | $191.63 | $520.00 | −$328.37 |
| Card Payments | $0.00 | $100.00 | −$100.00 |
| Total | $5,651.69 | $7,450.00 | −$1,798.31 |
Lines are a partition — every spend dollar lands in exactly one line, in the order shown on the Budgets page.
How to read this: Net is the month’s deposited paychecks minus the month’s spending, and the take-home rate is that net as a share of the paychecks. It leaves out the $1,250 a month that goes straight from paychecks into the 401(k)s and the HSA before the money ever reaches the bank — the Incl. retirement rate adds that saving back, and it is the better measure of whether the household lived within its means. A negative take-home month is not debt by itself: the difference came out of savings built up in earlier years. This household's pace is unusually even — rent and childcare dominate, and the take-home rate held close to 60% through the summer of 2026.
| Month | Income | Spend | Net | Take-home rate | Incl. retirement |
|---|---|---|---|---|---|
| October 2026 · so far | $15,000.00 | $5,162.24 | +$9,837.76 | — | — |
| September 2026 | $15,000.00 | $5,696.47 | +$9,303.53 | 62% | 64.9% |
| August 2026 | $15,000.00 | $5,668.15 | +$9,331.85 | 62.2% | 65.1% |
| July 2026 | $15,000.00 | $5,671.83 | +$9,328.17 | 62.2% | 65.1% |
| June 2026 | $15,000.00 | $5,796.97 | +$9,203.03 | 61.4% | 64.3% |
| May 2026 | $15,000.00 | $5,651.69 | +$9,348.31 | 62.3% | 65.2% |
| April 2026 | $15,000.00 | $5,656.39 | +$9,343.61 | 62.3% | 65.2% |
| March 2026 | $15,000.00 | $5,725.50 | +$9,274.50 | 61.8% | 64.8% |
| February 2026 | $15,000.00 | $5,628.04 | +$9,371.96 | 62.5% | 65.4% |
| January 2026 | $15,000.00 | $5,695.12 | +$9,304.88 | 62% | 65% |
| December 2025 | $15,000.00 | $5,980.90 | +$9,019.10 | 60.1% | 63.2% |
| November 2025 | $15,000.00 | $6,089.03 | +$8,910.97 | 59.4% | 62.5% |