5A

Personal Finance OS

Privacy-First Net Worth & 5-Account Cash Flow Studio
Deterministic Audit State (2026-08): Net Worth: | Cash Flow: | Savings Rate: | Expenses: | Years to Goal:
Zero Cloud Sync • Local Storage OS
Current Net Worth
$109,200
+$2,265 (+2.12%) MoM
Monthly Net Cash Flow
+$3,265
From $6,800 monthly income
Total Monthly Expenses
$3,535
Rent $2,100 + Living $1,435
Savings Rate
48.0%
$3,265 unallocated surplus
Goal Horizon ($250k)
5.2 Years
At $1,800/mo & 7.5% return

Net Worth Progression & MoM % Growth

Interactive Dual-Axis

Asset vs Debt Composition

2026-08