Audit Advisor — see if your money makes it to semester end

Semester-end balance

$303

Makes it to Dec 18

Savings and aid cover a $234/month shortfall

7/10

Fall 2026 audit

Doing okay

Now

Checking: $760
Savings: $1,100
Credit card: $410
Student loans: $9,000

Upcoming bills

Next 30 days · Nov 8–Dec 7

Nov 10
Spotify
$6.00
Checking after: $679.00
Nov 13 · Campus IT help desk +$180
Nov 15
PhoneEssential
$45.00
Checking after: $719.00
Nov 20 · Campus IT help desk +$180
Nov 20
Gym
$15.00
Checking after: $824.00
Nov 25
Credit card paymentEssential
Estimated minimum
$25.00
Checking after: $724.00
Nov 27 · Campus IT help desk +$180
Dec 1
RentEssential
$650.00
Checking after: $139.00
Dec 4 · Campus IT help desk +$180
Dec 5
UtilitiesEssential
$55.00
Checking after: $224.00

Balance also includes everyday spending (~$115/week)

Subsidized student loan · Payments start Nov 15, 2028
Unsubsidized student loan · Payments start Nov 15, 2028

Total due in 30 days: $796.00

Covered by checking + expected income: yes

Money transcript

Requirements

7 of 10 met

Cash Flow

1 / 2 completed

Last to finals
Money lasts through semester end
MET
Cover bills
Income covers essential expenses
Still needed: Short $234/month
NOT MET

Emergency Fund

2 / 3 completed

Savings goal: $1,100 of $2,000 ($900 left, May 7, 2027 at $150/month)

3-month safety net: $1,940 more (Dec 7, 2027)

Small buffer
Save one month of essential expenses
MET
Safety net
3-month safety net
Still needed: 3-month safety net: $1,940 more
IN PROGRESS 36%
Goal progress
Savings goal at least half funded
MET

Credit

2 / 3 completed

Card usage
Use less than 30% of your credit limit
Still needed: Pay down $111 to get under 30%
NOT MET
Card limit
Stay within your credit limit
MET
Pay on time
Keep payments on time
MET

Debt

2 / 2 completed

Know your debt
Know your total loan balance
MET
Loan budget
Loan payment below 10% of take-home pay
MET

Recommended sequence

Financial Plan by Semester

Savings goal: $1,100 of $2,000 ($900 left, May 7, 2027 at $150/month)

3-month safety net: $1,940 more (Dec 7, 2027)

3 steps to 10 of 10 · target Dec 7, 2027.

Fall 2026

Card usage
Use less than 30% of your credit limit
Pay down credit cards to get utilization under 30%
$111
Nov 13, 2026
Cover bills
Income covers essential expenses
Reduce essential spending each week or earn that much more
$54/week
Dec 1, 2026

Spring–Summer 2027 · nothing scheduled

Fall 2027

Safety net
3-month safety net
3-month safety net: save at $150/month for 13 months
$1,940
Dec 7, 2027

Where your money went

You spent $132 less than last month, mostly food.

Nov 1–Nov 7 · vs same days last month (Oct 1–Oct 7)

Food

$27−$42

Transport

$18−$25

Shopping

$13−$37

Entertainment

$0−$28

Recent purchases

Target
Nov 5 · Shopping
$13.30
Trader Joe's
Nov 2 · Food
$27.28
Uber
Nov 2 · Transport
$17.85