Projection · Portfolio

Net-worth projection trailing avg from Feb26, Mar26, Apr26, May26 (workbook as of Jun26)

Defaults are pulled from your trailing 4-month cash flow. Numbers are contributions-only unless you set an equity growth assumption — projecting market returns is a guess; contributions are real.

Scenario A (current plan)

Monthly cash savings (taxable) Cash → equity split % (rest to SGOV) Monthly 401k (you + employer match) Monthly HSA Monthly Roth IRA Equity growth % / yr (applies to all equity buckets) Horizon (months) Roll CD maturity ($16248 on 2026-07) into cash equivalents

Total monthly accumulation: —

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Show in today's dollars (inflation-adjusted) Inflation % / yr (for real view) Stacked area view (composition over time)

Recomputes: 0

Scenario B (comparison)

Show comparison on chart B: Monthly cash savings B: Cash → equity split % B: Monthly 401k B: Monthly HSA B: Monthly Roth IRA B: Equity growth % / yr B: Roll CD into cash equivalents

Headline

Current total net worth—

Current cash + cash-equiv (taxable)—

End of horizon (A)—

Sensitivity (end-of-horizon ∆)

+ $100/mo more cash savings—

+ $500/mo more cash savings—

Max your 401k (+$1,140/mo)—

+1% equity growth assumption—

+5% equity growth assumption—

Net worth over time

━ Total NW ━ Liquid (cash + cash-equiv) ━ Taxable equity ━ Tax-advantaged (401k + HSA + Roth) ┊ CD maturity

Month-by-month (Scenario A)

Month	Cash + equiv	Equity (taxable)	401k	HSA	Roth	Deposits	Total NW	Notes

Trailing inputs

Month	Income	Expenses	Cash saved	401k	HSA	Txns
Jan26	$10,024.20	$6,651.36	$3,372.84	$0.00	$1,001.52	111
Feb26	$7,100.27	$8,349.82	$-1,249.55	$883.32	$723.33	98
Mar26	$9,641.52	$6,342.90	$3,298.62	$869.58	$723.33	109
Apr26	$7,623.70	$6,116.56	$1,507.14	$885.45	$723.33	91
May26	$7,262.29	$5,993.55	$1,268.74	$901.28	$723.32	91
Jun26	$7,730.05	$5,092.96	$2,637.09	$914.78	$723.33	58

Pulled live from Crews_Reale_Expenses26.xlsx · cached 1hr. Trailing 4-month average uses only complete months (Feb26, Mar26, Apr26, May26); current month excluded since MTD. Click ↻ reread workbook after a monthly update.