Overview
Birds-eye view of your financial position — April 2026
Monthly Income
₹1,40,000
Fixed take-home
Planned Expenses
—
This month
EF Contribution
—
This month
Buffer
—
This month
Smart Alerts
Logged Spend vs Plan — April 2026
→ LOG EXPENSE
Cash Flow Breakdown
Debt Status
TOTAL CC OUTSTANDING
—
PAID: ₹00% CLEARED
CC1 ₹12k/mo friend (Apr–Oct) + ₹5k card (May–Jun) · CC2 variable schedule
Target: CC1 cleared Oct, CC2 cleared Dec 2026
Target: CC1 cleared Oct, CC2 cleared Dec 2026
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Priority Buckets
Kay's Financial Roadmap
Financial Architecture
Visual flow of your ₹1,40,000 — dynamically reflects the selected month.
Money Flow Map — April 2026
₹1.4L
INCOME
INCOME
Allocation Weights
Month Context
Daily Expense Tracker
Log every rupee. Filter by month, category or date.
Add Transaction
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Category Breakdown — April 2026
LOGGED
₹0
FORECAST
—
VARIANCE
—
REMAINING
₹1,40,000
Transactions
0 entries
NO TRANSACTIONS YET
Credit Card Hub
Log CC expenses, track payments, and watch the burn-down across CC1 and CC2.
Log CC Expense
ADDS TO CC DEBT
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All CC Expenses
0 entries
CC1 NEW CHARGES
₹0
CC2 NEW CHARGES
₹0
NO CC EXPENSES LOGGED YET
Card 1 — ₹12k/mo to friend (Apr–Oct) + ₹10k card
CC1 STATUS
₹93,000 outstanding
Base ₹93,000 · No new charges
PAID: ₹00%
Monthly Burn-Down
₹12k/mo to friend (Apr–Oct, ₹83k) + ₹5k card payoff May & Jun · Clears end of October ✓
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Payment History
Card 2 — Variable (Apr–Nov)
CC2 STATUS
₹95,000 outstanding
Base ₹95,000 · No new charges
PAID: ₹00%
Monthly Schedule
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Payment History
Combined Debt Burn-Down · Apr–Dec
CC1
CC2
Emergency Fund & Buffer
Balances auto-update from the Tracker. Use manual inputs for out-of-tracker adjustments only.
Emergency Fund
AUTO-SYNCEDCURRENT EF BALANCE
₹0
Target: ₹2,00,000
0% of target— months to ₹2L
Manual Adjustment
Use only if not logged in Tracker₹
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Buffer Accumulation
AUTO-SYNCEDNET BUFFER BALANCE
₹0
Forecast total: ₹1,78,900 (after ₹50k bike)
0% of forecastForecast: ₹1,78,900
Manual Adjustment
Use only if not logged in Tracker₹
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EF · Monthly Log vs Plan
Dark bar = logged · Light bar = plan
Buffer · Monthly Log vs Plan
Dark bar = logged · Light bar = plan
EF Growth · Apr–Dec 2026
Plan
Logged
Hover bars to see values
Buffer Accumulation · Apr–Dec 2026
Plan
Logged
🏍 Vehicle ₹50,000 deducted in September
Monthly Contribution Notes · Flag reductions with reasons
Goals & Desires
Track what you're building toward. The bike is first. The Himalayan is next.
2ND HAND BIKE
Target: ₹50,000 · Source: Buffer · Buy: September 2026
₹0
0% of ₹50,000
Buffer accumulates ₹0 in April (reset month), then ₹2,700/mo May–Jun, then ₹12,700/month from July.
By September cumulative buffer (before purchase) reaches ~₹43,500.
Buy the bike and rebuild buffer through year-end.
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Contribution History
ROYAL ENFIELD HIMALAYAN
Target: ₹5,00,000 · Starts: Jan 2027 · Est: 2030–31
₹0
0% of ₹5,00,000
💡 Post-December plan: Start ₹8,000/month SIP in Balanced Advantage Fund.
At 11% p.a. over 4 years = ~₹5.2L corpus. Planning begins Jan 2027.
This goal is on hold until CC debt is cleared.
Focus for 2026 is EF + Buffer only. Himalayan fund activates in January 2027.
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Contribution History
Buffer Build-Up → Bike Purchase Timeline
Financial Forecast
Full Apr–Dec 2026 plan. Month-by-month table + 6M & Year-end summaries.
Month-by-Month Forecast · April → December 2026
| Month | Income | Fixed | Core (CNIS+LIC) | CC1 | CC2 | Purchase | Total Expense | EF Contrib | Buffer | Cum. EF | Cum. Buffer* | Milestone |
|---|
* Buffer cumulative after ₹50k vehicle deduction in September
6-Month Summary · Apr–Sep 2026
Year-End Summary · Apr–Dec 2026
EF Growth vs Debt Burden
EF Balance
Total Debt
Surplus vs Expense
Expenses
EF+Buffer
⚠️ Risk Flags & Notes
Add Note / Upcoming Expense
📊 Intelligence Summary