TJ · FIRE Dashboard · 2026

Financial Command Center

Update your numbers — saves to your browser and persists between sessions

Accounts & Portfolio

Roth IRA balance ($)

Brokerage balance ($)

Other investments ($)

Cash — bank accounts ($)

Your age

Roth expected annual return (%)

Roth current total gain (%)

Brokerage expected annual return (%)

Brokerage current total gain (%)

Other Assets & Liabilities

Home equity ($)

Vehicle value ($)

HSA / FSA ($)

Business equity ($)

Car loan balance ($)

Car loan rate (%)

Car loan payment ($)

Mortgage balance ($)

Other liabilities ($)

Budget & FIRE Targets

Monthly take-home ($)

Bills & utilities ($)

Dining & drinks ($)

Shopping / lifestyle ($)

Car expenses ($)

Roth contribution / mo ($)

FIRE conservative target ($)

FIRE my target ($)

FIRE stretch target ($)

Roth allocation %

FXAIX

SCHD

FSMAX

AVUV

BND

Key milestones

Target Roth IRA allocation

Recommended at age 33

Standard FIRE-adjusted model

Your actual allocation

Moderate · FIRE-focused

Your 5 funds — quick reference

Monthly Roth contribution — how to split

FXAIX · FSMAX: Set up automatic investment in Fidelity (Accounts → Automatic Investments). SCHD · AVUV · BND (ETFs): Buy manually each month using Fidelity's fractional/dollar-based trading, or set a calendar reminder on payday.

Account change history

A running record of every Roth IRA rebalance — what changed, the actual before/after split, and the reasoning behind it. Newest first.

Phase 1 — live budget editor

Surplus → extra car

Payoff impact — live

Phase 2 — after car paid off

Roth IRA

Current balance

From your last check-in

Expected annual return

Drives the Roth projection line

Current total gain/loss

+ %

Reference from Fidelity

Brokerage

Current balance

$0 until car is paid off

Expected annual return

Drives the Brokerage projection line

Current total gain/loss

+ %

Reference from Fidelity

Expected growth — Roth, Brokerage & total, at the rates above

Actual vs. originally projected

Portfolio milestones — including car balance

Milestone	Age	Roth IRA	Brokerage	Total	Car balance

✓

Qualified Dividends

Long-term capital gains rate

Under $49,450

15%

$49K–$545K

20%

Above $545K

Requirements: US or qualified foreign corporation · Held 60+ days around ex-div date · Not excluded (REIT, money market)

Your rate at $100K–$175K income: 15%

Ordinary Dividends

Taxed as regular income

22%

$46K–$103K

24%

$103K–$197K

Always ordinary: bond interest, REITs, money market funds, non-treaty foreign companies

Inside your Roth IRA — all dividend types are 0% tax, permanently.

What to look for — typical ranges & red flags by fund type

General guidelines, not hard rules — context always matters. Use these to sanity-check a fund before you buy it, or to periodically re-check what you already hold.

Smart brokerage uses before retirement

🚀 Getting started

Click ✎ Check-in in the top right, fill in your current numbers, and click Save & Update Dashboard. Do this once a month. Your numbers are saved in your browser and will be here next time — no login needed.

The Net Worth Snapshot on the dashboard has inline input fields you can edit directly. Changes save automatically as you type. Every check-in also logs a snapshot to the Growth tab's actual-vs-projected chart automatically.

📋 What each check-in field means

Field	What to enter	Where to find it
Roth IRA balance	Current total value of your Roth IRA	Fidelity → Roth IRA → Total value
Brokerage balance	Value of taxable brokerage account	Fidelity → Individual Brokerage → Total value. Enter 0 until opened.
Other investments	Any other investment accounts not in Fidelity	401k at another employer, etc.
Cash — bank accounts	All cash: checking, savings, emergency fund combined	Bank app total balance across accounts
Home equity	Current home value minus remaining mortgage	Zillow estimate minus lender balance. Leave $0 if renting.
Vehicle value	Current market value of your vehicle	KBB or CarMax estimate
HSA / FSA	Health savings or flexible spending account balance	Your benefits portal or insurance account
Business equity	Value of any business you own or have equity in	Leave $0 if not applicable
Car loan balance	Remaining principal on car loan	Lender website → Account summary → Principal balance
Mortgage balance	Remaining principal on mortgage	Lender website → Account summary. Leave $0 if renting.
Other liabilities	Any other debts: student loans, credit cards, personal loans	Sum of all outstanding balances
FIRE targets	Conservative / your personal target / stretch investment portfolio goals	Adjust based on your evolving FIRE plan
Roth / Brokerage expected return	Assumed average annual market return for each account's projection	Default 7% (conservative real return). Use 10% for optimistic, 5% for conservative. These can differ — e.g. if Brokerage is more international-tilted.
Roth / Brokerage current gain	The "+X% total gain" figure each account shows	Fidelity → account → Performance tab. Reference only, doesn't drive projections.

📅 When to update

Trigger	What to update
Monthly (payday)	Roth IRA, Brokerage, Car loan balance — takes 2 minutes
Income changes	Monthly take-home and any budget category that changed
Quarterly	Cash balance, Other investments, net worth assets
Annually (January)	Your age, home value, vehicle value
FIRE goal change	Any of the three FIRE target amounts
Whenever you rebalance	Tell Claude what changed and why — it gets added as a new entry on the History tab

📊 Understanding the FIRE tracker

Three metrics are tracked for each target: Investment portfolio (Roth + Brokerage + Other investments — this is the primary FIRE metric), Total assets (everything you own), and Net worth (assets minus all debts). The projected date shown is based on your investment projection at your expected return rate.

💡 Key terms glossary

Term	Plain English definition
FIRE	Financial Independence, Retire Early — a portfolio large enough that investment returns cover living expenses permanently
Net worth	Total assets (everything you own) minus total liabilities (everything you owe)
CAGR	Compound Annual Growth Rate — annualized return including compounding
Expense ratio	Annual fund fee as % of balance. 0.02% = $2/yr on every $10,000 invested
DRIP	Dividend Reinvestment Plan — dividends automatically buy more shares instead of sending cash
Qualified dividend	Dividend taxed at lower long-term capital gains rate (15%) rather than ordinary income rate (22–24%)
Foreign tax credit	A credit for foreign tax withheld on international dividends — only claimable in taxable accounts, not in a Roth/IRA
Tracking error	How far an index fund's actual return strays from the index it's supposed to copy — low is good for a passive fund
Surplus	Monthly income minus all expenses including car payment — your investable amount
Phase 1 / Phase 2	Phase 1 = paying off the car. Phase 2 = after payoff, full amount floods into investments
SpecID	Specific Identification — cost basis method letting you choose which shares to sell. Must be set before first brokerage purchase