Abbatiello Family Budget

RAG KEY:

🟢 On target — at or above threshold

🟡 Monitor — within 15% of threshold

🔴 Action needed — below threshold

Click any account card for drill-down details

Total Family Net Worth

—

Assets (excl. home mkt): — | Home Equity (loan-balance): —

Account Balances click to drill down

Assets vs Debts

Monthly: Payroll vs Spending (Last 6 Mo)

401k estimated at $2,279/mo combined. Discover Savings = actual transfers from CSV history.

Kids 529 Plans

🎒 Elliott (2039) —

Goal: ~$198k projected FL college cost (2040)

🌸 Adelaide (2042) —

Goal: ~$232k projected FL college cost (2043)

Portfolio Positions — Fidelity Accounts

Account Value Trend from Import History

Each Fidelity import appends a snapshot to tbl_PositionHistory. Trend shows after 2+ imports.

Portfolio Allocation

Positions — All Accounts click account chips above to filter · click column headers to sort

Account	SymbolTicker symbol. Same symbol may appear in multiple accounts.	CompanyFull company name from Fidelity	SharesNumber of shares held in this account	PriceLast price from most recent Fidelity import	Value ▾Current market value = Shares × Last Price	Cost BasisOriginal purchase cost for all shares in this account	Gain/Loss $Value minus Cost Basis. Green = profit, Red = loss	Gain/Loss %Total return percentage. (Value - Cost) ÷ Cost × 100	BetaPrice volatility vs S&P 500. Beta 1.0 = moves with market. >1.5 = high volatility growth stock. <0.8 = defensive/stable. Last updated May 2026.	% Port.This position as a % of your total portfolio across all accounts

🤖 AI Position Insights — Deploy Apps Script V8 + run AI Insights to get automated commentary on your largest positions, concentration risk, and suggested rebalancing.

Spending Analysis — All-Time (May 2024 – May 2026)

Spending by Category

Month-over-Month Trend

Income Statement — Abbatiello Family

🤖 AI Spending Insights — After running Budget Tools > Run AI Insights, automated analysis appears here: top spending trend, vs. same period last year, biggest category change month-over-month, and a savings recommendation.

📈 Savings Rate Trend

— Import transactions to calculate

💸 Biggest Category

— Loading...

💡 Recommendation

— Run AI Insights in Google Sheet

Monthly Detail click month or category bar to filter · hover column headers for definitions

MonthClick to filter all charts to this month	Take-Home PayKate + Johnny payroll deposited to Discover checking. Does NOT include 401k contributions (pre-tax deductions never hit your bank).	Real SpendingAll expenses EXCLUDING: Chase CC payments (double-count), savings transfers, inter-account transfers. This is your true cost of living.	Net CashTake-Home Pay minus Real Spending. Green = surplus (left over). Red = spent more than came in (transferred from savings).	Discover SavesActual transfers from Discover checking to Discover savings accounts (Emergency, Down Payment, Sinking Funds). Pulled from CSV transaction history.	401k Est.Estimated 401k contributions: Kate $570 + Johnny ~$1,709 combined/month. Pre-tax — never shows in your checking. Update via Import Voya 401k History for actuals.	Total SavedNet Cash surplus + Discover Saves transfers + 401k contributions. This is your TRUE total savings rate fuel.	Savings RateTotal Saved ÷ (Take-Home + 401k). Target: 20%+ = excellent. 15-20% = good. Below 15% = review spending. Rate above 100% means you transferred from savings (spending > income).

GAAP Balance Sheet — As of May 2026

ASSETS

Current Assets (Liquid)

Total Current Assets

Non-Current Assets

Total Non-Current

TOTAL ASSETS

LIABILITIES & NET WORTH

Liabilities

Mortgage — Primary Home

TOTAL LIABILITIES

Net Worth (Equity)

FAMILY NET WORTH

✓ Assets - Mortgage verified

Retirement Breakdown

House Down Payment Tracker

Progress

Effective Balance (savings + gift)

—

🎁 $19,000 Register Gift included

$0 Goal:

Still need: Months left:

Discover 3054 (savings)

Monthly contribution (est.) $300–$700

Scenarios — With Register Gift

Home Price	Down Pmt	PMI	Est. P&I	Still Need	Months

ℹ House minimum $400k. "Still Need" = Down payment minus your effective balance (savings + $19k gift). PMI required if less than 20% down (typically 0.5–1% of loan/yr, ~$150–350/mo). Mortgage estimates at 6.8–7.2% 30-yr fixed rate.

Monthly Cash Flow — Kate's Running Total

⏳

Loading cash flow data...

📅 Upcoming Paychecks

📊 Month Snapshot

Running Total — Current Month planned vs actual · from Google Sheet Running Total tab

Date	Description	Category	Planned	Actual	Variance	Running Balance

ℹ Import your latest Discover + Chase CSV in Google Sheets first, then reload this dashboard. Update yellow Actual cells in the Running Total tab to see variance here.

529 College Savings Projection

Elliott — NH Portfolio 2039 turns 18 in 2040

Assumes 7% avg annual return (target date 2039 fund) · $100/mo contribution · 5% college cost inflation

Adelaide — NH Portfolio 2042 turns 18 in 2043

Assumes 7.5% avg annual return (target date 2042 fund) · $100/mo contribution · 5% college cost inflation

Year-by-Year Projection

Florida state school 4-year cost today: ~$100,000 (UF/FSU/UCF). 5% annual tuition inflation. 529 projections include $100/mo per child. Adjust below.

Monthly contribution per child: $

Year	Elliott 529 Value	Elliott College Cost	Elliott Gap	Adelaide 529 Value	Adelaide College Cost	Adelaide Gap

🏠 Abbatiello Family Budget Dashboard V3