Dashboard Date: 2026-02-01 (Updated 10:22 PM) • Next Update: Weekly (Sundays)
📈 Target: $1M by 2030
🎯 On Track
📈 Target: 30% post-debt
⚠️ Target: $15,000
📊 Target: $50K by 2027
NAB Credit Card: $6,084 @ 20.99% APR
Est. Payoff: ~March 2026
Recent Payment: $6,000 from Techcombank (WireBarley transfer, Feb 2026)
| Debt | Balance | Rate | Monthly Payment | Est. Payoff |
|---|---|---|---|---|
| NAB Credit Card | $6,084 | 20.99% | $200 + $1,000 | ~March 2026 |
| Nguyet Family Loan | $15,000 | 0% | $0 | After NAB cleared |
Total Consumer Debt: $21,084
Monthly Interest Cost: ~$106 (NAB only)
Payoff Progress: 80% → 100% by March 2026
| Property Value | $900,000 |
| Your Equity (75%) | $675,000 |
| Government Share (25%) | $225,000 |
| Mortgage Balance | ~$588,000 |
| Offset Balance | $2,397 |
| Net Equity | $87,000 |
| Interest Rate | 5.49% |
| Monthly Payment | $3,370 |
| Interest Saved (Offset) | ~$132/year |
| Current LVR | 65.3% |
| Your LVR | 87% |
Move $4,875 from Up Savers to Offset → Save $267/year in interest
| BTC Concentration | 60% 🔴 High |
| Tech Sector Weight | 83% 🟡 Medium-High |
| US Exposure | 93% 🟡 Medium |
| Cash Drag (Techcombank) | $8,551 🟡 Opportunity |
| Account | Balance | Interest | Purpose |
|---|---|---|---|
| 2Up Joint | $1,579 | 0% | Operating |
| Bendigo Offset | $2,397 | Saves 5.49% | Mortgage |
| Up Savers (Europe) | $1,287 | 4.6% | Travel |
| Up Savers (Rainy Day) | $1,287 | 4.6% | Emergency |
| Up Savers (Gov) | $2,301 | 4.6% | Round-ups |
| Techcombank (Vietnam) | $8,551 | 2.5% | Vietnam ops |
| Joint Income | $10,430 |
| Fixed Expenses | $6,163 |
| Variable/Discretionary | $2,400 |
| True Surplus | $1,867 |
| Current Allocation | → NAB debt |
| Goal | Target | Current | Status |
|---|---|---|---|
| Emergency Fund | $15,000 | $4,875 | ⚠️ 33% |
| Offset Account | $50,000 | $2,397 | 🔄 In Progress |
| Investment Portfolio | $50,000 | $13,395 | 📈 Building |
| Thailand Trip 2026 | $8,000 | — | 🎯 Planned |
| Feb 9 | Payday | +$4,814 |
| Feb 23 | Payday | +$4,814 |
| Feb 25 | NVDA Earnings | Portfolio impact |
| Feb 28 | Dashboard Update | Review & adjust |