You're entering a risk zone — holding off now will protect your stability.
Your safety buffer is short by about $24552 — you're well below your 6-month target, and that's the main thing weakening your position.
Move about $1292/mo into savings for the next 19 months to close your safety gap.
Protect your essentials, pause discretionary spend, and rebuild even a small buffer — momentum returns fast.
$0/mo
You're funding upcoming expenses adequately.
$24,552
still needed to reach your 6-month target.
$138
to align with your goal.
Take a breath. This is a moment to slow down, not panic. Hold spending for a week and your numbers will start to heal.
Sustained overspending here would deepen the risk — even small wins this week reverse the trend.
Last 30 days
Last 6 months
Needs · Wants · Savings (30 days)
Sinking funds progress
Latest activity
| Date | Description | Category | Account | Amount |
|---|---|---|---|---|
| 2026-11-14 | Verizon | Phone | Chase Checking | −$110.00 |
| 2026-11-14 | Whole Foods | Groceries | Chase Sapphire | −$147.32 |
| 2026-11-13 | Shell | Fuel | Chase Sapphire | −$52.40 |
| 2026-11-12 | Rent | Rent/Mortgage | Chase Checking | −$2,100.00 |
| 2026-11-11 | Min payment Citi | Credit Card Payment | Chase Checking | −$175.00 |
| 2026-11-11 | DoorDash | Dining | Chase Sapphire | −$42.18 |
| 2026-11-10 | Electric Co | Utilities | Chase Checking | −$145.00 |
| 2026-11-10 | AMC Theater | Entertainment | Citi Card | −$38.00 |
Last 30 days