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Rivera household

Sample data: an invented household, not connected to any YNAB account.Changes you make stay on this page and reset when you reload.About Money on RailsES

Your month at a glance

August 2026

Adherence Rating

How closely you followed your plan

96
+1 vs average of Aug 2025 to Jul 2026

Adherence Rating by month, Apr 2025 to Aug 2026: lowest 91, highest 98.

Plan Quality

How well it is built, last 3 months

84
  • Needs, Wants, Savings split8661% / 16% / 23%
  • Emergency fund664.0 of 6 months
  • True expenses1008 of 8 funded

Money in and out

Ticks: average of Aug 2025 to Jul 2026

Saved $2,206
Income$14,440Against the average of Aug 2025 to Jul 2026: −$687Spending$12,084Against the average of Aug 2025 to Jul 2026: −$1,198Paying down card debt$150Against the average of Aug 2025 to Jul 2026: +$17Top groupsHome$2,786Against the average of Aug 2025 to Jul 2026: −$29Savings and investing$1,900Against the average of Aug 2025 to Jul 2026: −$117Kids$1,543Against the average of Aug 2025 to Jul 2026: +$36

Where the money went in Aug

Top sources and groups

In August 2026 $14,440 came in from 10 sources and you spent $12,084 and put $150 toward card debt. The biggest groups were Home ($2,786), Savings and investing ($1,900) and Kids ($1,543). $2,206 was left unspent.

Needs your attention

3 things to look at

  • 6 Categories waiting for a bucket

    We couldn't tell if these are Needs, Wants or Savings: , , and 3 more.

    Sort them

  • Emergency fund covers 4.0 of 6 months

    $30,800 set aside against about $7,727 of Needs a month. $15,562 more reaches 6 months.

    Details

  • 10 Categories overspent in Aug

    Home maintenance $579 over, Graphic designer $241 over, Vision $202 over and 7 more.

    See in Plan

Needs, Wants, Savings

Assigned in Aug

Needs
61%
target 50%
Wants
16%
target 30%
Savings
23%
target 20%

Waiting for a bucket, left out: $1,763

Monthly briefing

August 2026

You followed your plan very closely: an Adherence Rating of 96, above your average of 95 (Aug 2025 to Jul 2026).

Money in and out

$14,440 came in from 10 sources, led by Contoso Health and Northwind Ltd. You spent $12,084, most of it on Home (23%) and Savings and investing. You put $150 toward card debt. That left $2,206 unspent.

Top sources and groups

In August 2026 $14,440 came in from 10 sources and you spent $12,084 and put $150 toward card debt. The biggest groups were Home ($2,786), Savings and investing ($1,900) and Kids ($1,543). $2,206 was left unspent.

How your plan is built

Plan Quality is 84 over the last 3 months. The split scores 86, the emergency fund 66 (4.0 of 6 months of Needs) and true expenses 100.

Assigned in Aug

Needs
61%
target 50%
Wants
16%
target 30%
Savings
23%
target 20%

Waiting for a bucket, left out: $1,763

Worth a look

  • 6 Categories waiting for a bucket

    We couldn't tell if these are Needs, Wants or Savings: , , and 3 more.

    Sort them

  • Emergency fund covers 4.0 of 6 months

    $30,800 set aside against about $7,727 of Needs a month. $15,562 more reaches 6 months.

    Details

  • 10 Categories overspent in Aug

    Home maintenance $579 over, Graphic designer $241 over, Vision $202 over and 7 more.

    See in Plan
Uses your own Needs, Wants and Savings definitions.