Discretionary living (this month, real, so far)Checking…
Fidelity investing this month (Sleeve + SPAXX, real)Checking…
Details
Your paycheck this month, minus bills you're on the hook for, minus card charges you've already made, minus what you've spent so far, minus real money already sent to Fidelity. Spend this down to $0 and the whole check is genuinely accounted for — nothing left uncounted. Card charges count the instant they post to a card (YNAB-style), not when checking's autopay later clears them, so nothing is double-counted or missed.
The 6 small tags under "Protected fixed pulls" are exactly what makes up that line, one per commitment — a dashed tag means real $0.00 because it genuinely hasn't posted yet this month, not that it's missing or wrong. That's why the total climbs as the month goes on: it's not an error correcting itself, it's real money leaving on its own schedule. Same exact live formula as the live Cowork dashboard's Cash Flow / Headroom card, so the two can never disagree.
Investing / savings sent this month
All 6 accountsChecking…
Mortgage Readiness (monthly capacity planner)
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left for mortgage + investing, combined (real, month-to-date)
Show the math behind that number
Income (pay-date adjusted)Checking…
Protected fixed pullsChecking…
Card charges committed (real, so far this month)Checking…
Discretionary spend (real, so far this month)Checking…
Current investing (Sleeve + SPAXX, real)Checking…
Cash Flow Trend (Primary Checking)
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BofA Primary Checking — Liquidity Floor Position
$16,870.69
available (includes overdraft protection line) · $12,887.51 current balance
You: $16,870.69
Emergency $8,170
Cushion $12,255
Max $16,340
Ceiling $17,340
Healthy $530.69 above the 4-month Max Normal Floor, $469.31 below the Rebuild Ceiling. Comfortably inside your normal range.
DetailsFIXED 09/01/2026: this card now leads with available balance ($16,870.69) as the big headline number, matching the main dashboard exactly (it was showing current balance as the headline before, which is why the two apps looked like they disagreed on your balance — they were just leading with different numbers, not different data). Current balance ($12,887.51) is now the secondary line. All floor-status math (bar fill, Healthy/Normal Range badges) is also now available-based, same as the main dashboard. Scale runs 0–$20,000 so all 4 floors fit with room above the Ceiling. Balance checked live — if you were just paid, Era hasn't synced that deposit yet; this updates once Era catches up.
Paycheck-to-paycheck growth (real, not smoothed)
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Fidelity Income & Growth
Live account total (today)$77,440.68
— uninvested cash in account$751.67
— invested value (live)$76,689.01
Last verified cost basis (manual, 08/14/2026)$72,174.96
DetailsAccount total is live from Era today. Cost basis has no live connector (confirmed on the main dashboard) so it stays a dated manual snapshot — shown separately rather than blended into a single "gain" number, since that would mix a live figure with a stale one.
Fidelity Sleeve Buffer
$751.67
settled/available cash at Fidelity Income & Growth
Fully buffered $1.67 above the $750 target — covers the next 1st-of-month auto-buy.
DetailsLive balance checked just now. Target is $750 settled cash ahead of the 1st-of-month auto-buys (Income/Growth baskets + SGOV) — same target as the main dashboard.
Dividend Income (real cash — shown before the smoothed goal card below on purpose)
Lifetime Total (Apr ’25–today, both accounts)
$1,403.43
YTD Received (Fidelity, Jan 1–today)
$642.54
Past · current · upcoming month (real cash, not smoothed)
Aug 2026 (past, final)
$249.95
Sep 2026 (current, MTD)
$0.00
Oct 2026 (upcoming)
N/A
DetailsLoading live figures…
Oct 2026 box stays a manual N/A — that projection needs Truthifi's real per-share dividend rates × live share counts, which this build doesn't fetch (Truthifi is only re-checked on Fridays per standing rule, to stay inside its limited free monthly lookups). Ask Claude to refresh it.
Standing rule (09/01/2026): any figure depending on Truthifi's holdings data is only re-checked on Fridays. Everything else on this card (Lifetime, YTD, last complete month, and current month-to-date) is genuinely live from real Era "DIVIDEND RECEIVED" transactions on every page load, zero Truthifi.
Passive Income Goal — $2,000/mo
Run-rate (smoothed)
$325/mo
Progress to goal
16%
$3,903.53/yr run-rate ÷ 12 = $325/mo — a smoothed average, not a real monthly cash amount. 16% of the $24,000/yr goal.
Projection Snowball's own model: ~12 years to goal (by 2038). Your target: 10 years or faster.
Details
Run-rate/progress/projection are a manual Snowball Analytics snapshot from 08/07/2026 (no live connector for Snowball). The $325/mo figure is the $3,903.53/yr run-rate divided by 12 — a smoothed average, not a real monthly cash amount — marked with the yellow chip so it's never mistaken for an actual payment. For real, actual month-by-month dividend cash, see the Dividend Income card above.
Debt & Credit Snapshot
Amex Blue Cash Everyday$308.62
Citi Diamond Preferred$92.30
Discover$60.50
Cap One Quicksilver$329.33
Total credit card debt$790.75
Autopay All 4 cards set to clear statement balance in full each cycle — this is revolving float, not carried debt.
DetailsAll 4 revolving cards, live balances. Era doesn't expose credit limits for these accounts (except Discover, which shows $14,940 available), so this is debt load, not a utilization ratio. FIXED 09/01/2026: Discover's card label now reads "Discover" -- was showing "Discover (Michael)," which is Era's raw account name for the live connection (matches the desktop dashboard's Debt & Credit Snapshot naming convention, fixed there 08/21/2026). Same live account, same real $60.50 balance either way -- display label only.
Monthly Bills
Real cash out of checking so far this month
Checking…
Posted to a card this month (balance only, not cash yet)
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Bill
Account
Expected
This cycle
T-Mobile (Phone & Internet)
BofA Checking
$132.10/mo
Checking…
Fidelity Basket fee
BofA Checking (debit)
$4.99/mo
Checking…
Claude Pro
BofA Checking
$20.00/mo
Checking…
Hang10 Car Wash
Citi
$25.00/mo
Checking…
Spotify
Cap One
$12.99/mo
Checking…
Shenandoah Valley Electric (calculated avg)
Cap One
$210.00/mo
Checking…
Replit Core
BofA Checking
$20.00/mo
Checking…
Monthly total (reference)
$425.08/mo
DetailsTrupanion Pet Insurance is intentionally NOT listed — cancelled 8/29/2026, last charge 8/12/2026, $70.88 refund still pending on Capital One. Electric is shown as your calculated average of $210.00/mo (per your figure — Era's connector currently only surfaces 1 real charge for this merchant, $198.34 on 8/4/2026, not enough live history to recompute the average independently). Replit Core's $20.00/mo is the known base subscription charge (real, confirmed via the 8/18 "Link.com DES:REPLIT" transaction) — it can bill extra metered-usage charges on top some months (August's real total across all 4 charges was $153.67); those aren't included in this base number. "Expected" is the reference amount above; "This cycle" (added 09/02/2026) is live — green "Posted" means a real matching charge already hit this calendar month (with its real amount, which can differ from Expected — that's the actual point of this column), yellow "Not yet" shows the last real charge instead so you can see it's a normal gap, not a missed bill.
Non-Monthly Bills (never shown as a monthly-equivalent, per your standing rule)
Bill
Account
Cadence
Expected
Last real charge
GEICO Car Insurance
Cap One
Every 6 months
$593.00
Checking…
Amazon Prime
Amex Blue Cash
Per year
$139.00
Checking…
Walmart+ (renews mid-Nov)
Amex Blue Cash
Per year
~$98.00
Checking…
Google One Storage
BofA Checking
Per year
$19.99
Checking…
Live Bearded
Citi
Every 8 weeks
$40–$60
Checking…
Era Context Automate
Cap One
Quarterly (~91 days)
$67.47
Checking…
DetailsNo blended "total" shown here on purpose — summing a 6-month premium, two annual subscriptions, and an 8-week cadence into one number would itself be a form of smoothing, which your standing rule forbids.
As of 09/02/2026, the "Last real charge" column is genuinely live — on every page load it searches up to 24 months of real Era transactions per bill (same matching rules as the desktop dashboard's audited Subscription Tracker: keyword + amount tolerance, per linked account) and shows the actual date and amount of the most recent real match, plus whether it's posted THIS calendar month yet. "No match" means Era has no real transaction matching that bill in 24 months — worth a second look if you see it on something that should be recurring. "Couldn't verify" means the live check itself failed (e.g. Era rate limit) — refresh to retry, not a claim the bill didn't post.
Due in the Next 7 Days
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Flagged Transactions (BofA Checking, last 30 days)
Checking…
DetailsLive on every page load — anything Era itself has tagged needs_review on BofA Primary Checking in the last 30 days (duplicate charges, unrecognized merchants, anomalies Era's own detection flags, etc.). This is a pass-through of Era's own flag, not a separate guess.
2026 Home Maintenance Reserve
Estimated need$3,000 – $8,000
Funded so farNot yet earmarked
TimingBefore year-end (contractors booked out months)
Not yet funded No dedicated reserve set aside yet — budget for this before committing to other discretionary moves.
DetailsManually tracked, matches the main dashboard — update once quotes are in and a funding plan exists.
All Connected Accounts
Account
Institution
Balance
Primary Checking
Bank of America
$12,887.51
Secondary Checking
Bank of America
$771.93
Rewards Checking
American Express
$1,651.27
High Yield Savings
American Express
$19,613.07
Savings Account
Alliant Credit Union
$361.77
Cash Management (Individual)
Fidelity Investments
$6,507.39
Fidelity Income & Growth Investments
Fidelity Investments
$77,440.68
Blue Cash Everyday
American Express
−$308.62
Diamond Preferred
Citibank
−$92.30
Discover
Discover
−$60.50
Quicksilver
Capital One
−$329.33
Details11 accounts, all balances live from Era Context as of this snapshot's timestamp above.