YOUR FINANCIAL JOURNEY

Dashboard

Grow your financial future.

Build confidence, track progress, and turn financial goals into action.

Your financial snapshot

A clear picture of where you are and what to work on next.
NET WORTH
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Assets less liabilities
MONTHLY INCOME
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Normalized monthly income
MONTHLY EXPENSES
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Planned spending
MONTHLY CASH FLOW
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Income less expenses

Your financial foundation

01BudgetKnow where your money goes.
02SaveBuild your safety net.
03Pay off debtFree future cash flow.
04InvestPut money to work.
05Protect & giveProtect what matters and give generously.

Recommended next steps

Ten Fruits of Your Labor

Your step-by-step roadmap to financial stability and long-term wealth.
Financial Planning is building a solid foundation by mastering cash flow, budgeting, debt, and goal setting.
01Create a monthly budget to track your income and expenses.

Include about 15 categories, divided into three groups: needs, wants, and savings/investing. Live below your means.

02Save $1,500 in a high-yield savings account per person.

Examples: Marcus and Ally. Use this to cover unexpected medical or life emergency expenses.

03Start your 401(k) if your employer offers a match (typically 3–6%).

If there's no match, start a Roth IRA and invest 5% of your income (using platforms like M1 Finance, Vanguard, or Fidelity).

04Pay off debt using the debt avalanche method (highest interest first).

Paying off debt now frees up more money for saving and investing in the future.

05Save three months' worth of expenses for emergencies (building on step 1).

Calculate what percentage of your budget goes toward needs, multiply that by 3, and add the $1,500 emergency fund.

06Invest 15% of your income by opening a Roth IRA in addition to your 401(k) (max out the Roth first).

After taking advantage of your 401(k) match, invest the rest in your Roth IRA.

07Start saving for a home (5–20% down payment) or other large purchases.

Save in a high-yield savings account. This is the time to save for significant expenses, like upgrading your housing, purchasing a vehicle, or taking a big trip.

08Max out all retirement accounts, contributing up to 25% of your income (Roth IRA, 401(k), HSA).

Prioritize Roth > HSA > 401(k) > Traditional IRA in that order for optimal growth.

09Save for your children's future expenses.

Give your kids a head start in life by helping them invest, get a house, and avoid student loans (529 or ESA).

10Continue to save and invest rapidly.

Enjoy your money and give generously as you continue to build wealth.

Roadmap progress

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Financial report & data backup

Your Money

Organize where your money lives, what it is for, and what each account should hold.

Account breakdown

AccountPurposeLocation / InstitutionAmount ($)Goal
Total tracked accounts$0

SMART financial goals

Specific • Measurable • Achievable • Relevant • Time-bound

MONTHLY INCOME
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MONTHLY EXPENSES
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MONTHLY CASH FLOW
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SAVINGS RATE
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Amortization Schedule

See how each payment is split between interest and principal.
Choose a debt entered in Debt Calculator. The schedule uses its current balance, interest rate, and minimum payment. You can also use the loan calculator values as a separate loan.

Schedule inputs

Loan summary

Estimated payoff time—
Total interest$0
Total payments$0

Estimates assume monthly payments and a constant interest rate. Actual lender schedules may differ due to daily interest, fees, and payment timing.

Monthly amortization schedule

Payment #Payment dateBeginning balancePaymentInterestPrincipalEnding balance
Select a debt and build the schedule.

Insurance Planning

Protect your income, assets, and family from financial disaster.
Use these sections to record your current coverage and compare the cost of your policies.

Health Insurance

Life Insurance 1

Policy 1 of 4

Life Insurance 2

Policy 2 of 4

Life Insurance 3

Policy 3 of 4

Life Insurance 4

Policy 4 of 4

Auto Insurance 1

Policy 1 of 4

Auto Insurance 2

Policy 2 of 4

Auto Insurance 3

Policy 3 of 4

Auto Insurance 4

Policy 4 of 4

Disability Insurance

Housing Insurance

Umbrella Insurance

Insurance premium cost tracker

Add each policy or insured item, such as dental coverage, a vehicle, renters insurance, or separate term-life policies.

CategoryPolicy / ItemMonthly premium
Total monthly premiums$0

Insurance premium summary

Category / PolicyMonthly premium ($)
Total monthly premiums$0

Tax Planning

Keep more of your money by understanding how taxes affect your income and investments.
Ballpark educational estimate based on the supplied Tax worksheet's structure and example assumptions. The calculator uses editable standard deductions, Indiana and county rates, and a simplified federal bracket estimate. It does not cover every tax rule, deduction, credit, or local tax situation. Confirm with current IRS and state guidance or a tax professional.

Tax estimate inputs

Estimated tax results

Enter your information and select Estimate taxes.

Tax worksheet categories

IncomeGross income and employer retirement contributions.
Pre-tax deductions401(k) contributions and eligible insurance premiums.
CreditsEnter an estimated total for applicable credits.

Retirement Planning

Prepare now so they can enjoy financial freedom later.
Ballpark projection based on the supplied Retirement worksheet: account balances, current age, retirement age, monthly contributions, assumed investment returns, and a 4% safe-withdrawal estimate. This is hypothetical, not a guarantee; it excludes taxes, fees, inflation, contribution limits, and market volatility.

Retirement projection inputs

Retirement estimate

Enter your information and select Estimate retirement.

Retirement readiness checklist

Estate Planning

Protect your family, assets, and wishes if something happens to you.
Estate planning needs vary by family and state. This is a starting checklist, not legal advice.

Estate Planning Checklist

Task / DocumentsHave it? (Y/N)Notes
Dead Box
Will & Testament
Living Trust
Power of Attorney
Healthcare Directive
Beneficiary Designations
Guardianship Plans
Life Insurance Coverages
Deeds & Titles

Documents to consider

WillOutlines asset distribution and may name guardians for minor children.
TrustMay help manage and distribute assets under stated terms.
Power of attorneyNames someone to act on your behalf for specified matters.
Healthcare directiveDocuments healthcare wishes and decision-making authority.
BeneficiariesReview designations on retirement accounts and insurance policies.

Net Worth Summary

TOTAL ASSETS
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TOTAL LIABILITIES
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NET WORTH
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ItemTypeCategoryValue

Summary mirrors the Net Worth tab and updates when your assets or liabilities change.

Budget & cash flow

Give every dollar a purpose.
Suggested allocation: Needs 60% • Savings 10% • Wants 15% • Investments 15%. These are planning guidelines, not rigid rules.

Add income or expense

Monthly totals

Income$0
Expenses$0
Cash flow$0
Savings rate0%

Budget items

DescriptionType / groupMonthly

Savings goals

Build your emergency fund and save intentionally.

Emergency fund planner

Create a savings goal

Debt Calculator

See your debt picture and understand the cost of a new loan.

Debt Summary Table

CreditorStarting balanceCurrent balanceInterest rateYearsMinimum payment% of total
Total$0$0$0100%

Debt payoff estimate

Add debts, then calculate.

Simple Loan Calculator

Investment growth planner

Explore the potential impact of time and consistent contributions.
Understand how to grow wealth through intentional investing.

Investment projection

Common account types

401(k) / 403(b)
Employer-sponsored retirement plans; understand match and vesting.

Roth IRA
Potential tax-free qualified withdrawals, subject to IRS rules.

Traditional IRA
Potential tax deduction; withdrawals generally taxable.

HSA / 529 / Brokerage
Accounts for eligible healthcare, education, or flexible investing goals.

Projections are hypothetical, not guarantees. Returns fluctuate; investments can lose value.

Sample Portfolios by Risk Tolerance

Risk levelStocks / relatedBonds / otherCash
Conservative60%20%20%
Balanced70%10%20%
Aggressive85%5%10%

Illustrative allocations from the supplied worksheet; not a personalized investment recommendation.

Net worth tracker

What you own minus what you owe.

Add asset or liability

Changes are saved in this browser.

Net worth

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Assets$0
Liabilities$0

Assets & liabilities

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Contact & About Me

Learn the story behind Ten Fruits of Your Labor and connect with me.
TEN FRUITS OF YOUR LABOR

Financial literacy starts with understanding your money.

Spend it. Save it. Invest it. Give it.

MY STORY

About Aaron Almarales

My name is Aaron Almarales. Over the years, personal finance has grown from a college major into a life-changing passion.

Young adults are being left behind when learning the basics of money, especially in the classroom. After wrestling with that reality, I began collecting everything I could about how money works.

I came to a simple conclusion: you can only do four things with money: spend it, save it, invest it, and give it.

I hope this page leads you toward financial literacy and freedom, with real and practical steps wherever you might be on your financial work.

THE BOOK
✦
TEN FRUITS
OF YOUR
LABORA Real-World Guide
to MoneyAaron Almarales

Ten Fruits of Your Labor: A Real-World Guide to Money

A practical introduction to managing money and building a strong financial foundation.

Find & Purchase My Book ↗
GET IN TOUCH

Let's Connect

Have a question about financial education, the book, or coaching? Visit my Linktree to find my contact links and other resources.

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Financial snapshot report

A summary for personal review or a coaching conversation.
Report figures are based on information entered in this workspace. Review for accuracy before making decisions.

Data backup & privacy

Data is stored only in this browser on this device. It is not uploaded, synced, or shared. This prototype is not designed for secure storage of sensitive client financial information.

Ten Fruits of Your Labor • Educational planning tool • Not tax, legal, investment, or insurance advice.