Dashboard Date: 2026-03-17 (Auto-sync 6:00 AM) • Next Update: Weekly (Sundays)
📈 Target: $1M by 2030
🎯 On Track
📈 Target: 30% post-debt
✅ 100% Funded
📊 Stocks: $5,395 • Crypto: $4,881 • Super: $141,491
Credit Card 1: $18,750 @ 21.99% APR
Min. Payment: $400/month
Credit Card 2: $10,000 @ 18.5% APR — Min. Payment: $250/month
| Debt | Balance | Rate | Monthly Payment | Est. Payoff |
|---|---|---|---|---|
| Car Loan | $25,000 | 4.5% | $600 | Dec 2026 |
| Credit Card 1 | $18,750 | 21.99% | $400 | Priority 1 |
| Credit Card 2 | $10,000 | 18.5% | $250 | Priority 2 |
Total Non-Mortgage Debt: $53,750
Total Debt (incl. mortgage): $215,000
Payoff Progress: 75% → Target: Dec 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 | $50,000 | $50,000 | ✅ 100% |
| Retirement (Super) | $320,000 | $141,491 (Andy $71,397 · Steve $70,094) | 📈 On Track |
| ETFs | $130,000 | $130,000 | 📈 Building |
| Thailand Trip (May 2026) | $20,000 | $15,000 | 🎯 75% |
| Home Reno (Q4 2026) | $50,000 | $5,000 | 🔄 10% |
| Mar 9 | Payday | +$4,814 |
| Mar 10 | Mum arrives | SGN→MEL |
| Mar 13 | Mum's Birthday | 🎂 |
| Mar 23 | Payday | +$4,814 |