Forecast

12-month projection assuming $3,200/mo Comcast net + $1,000/mo BT paydown post-inheritance. Update actual income on Pay Period as checks land.

Cash on hand · 12 mo

+$324.74/mo net
$0 $893 $1.8k $2.7k $3.6k Jul 26 Sep 26 Nov 26 Jan 27 Mar 27 May 27 Jun 27

OnPt Signature Visa BT paydown

Target $5,000 by 12/31/2026
$0 $3.3k $6.5k $9.8k $13.0k target $5,000 Jul 26 Sep 26 Nov 26 Jan 27 Mar 27 May 27 Jun 27

Starts after $2,000 inheritance chunk drops balance from $15,000 to $13,000. Paydown $1,000/mo. 0% APR ends 2026-12-31. Verify exact end date at OnPoint.

Inheritance HYSA balance

~4.5% APY assumed
$0 $992 $2.0k $3.0k $4.0k Jul 26 Sep 26 Nov 26 Jan 27 Mar 27 May 27 Jun 27

Starts at $3,909.21 residue after inheritance deployed. Compounds monthly at ~4.5%. Earmarked for 2027 house down payment.

CC utilization recovery

74% today
0% 25% 50% 75% 100% healthy <30% Jul 26 Sep 26 Nov 26 Jan 27 Mar 27 May 27 Jun 27

Drops sharply when inheritance pays off Kohl's, Chase, Mission Lane, Citi + BT chunk ($15,940.79 total). Then continues down with $1,000/mo BT paydown.

Monthly burn breakdown

Subscriptions (active)$1,033
Bills + utilities$1,097
Debt minimums$745.26
Total monthly burn$2,875.26

Inheritance progress

Deployed $150.00 of $20,150 · Manage buckets →