🐷 PiggyPath

🐷 PiggyPath Dashboard

Your journey to financial freedom starts here

ON
🕐
Viewing Age 35
Accumulation Phase
Age 35
🐷
Age 85
Financial Health Score🎯
10
Needs Work
Net Worth💎
$33,333
Assets - Debts
Savings Rate📊
4.8%
$2,000/month
Years to Retirement⏰
25
At age 60
Total Debt💳
$4,800,000
1 debt(s)

💎 Asset Allocation

Emergency Fund
25.0%
Investment Portfolio (DCA)
75.0%
Provident Fund
0.0%
House
0.0%
Car
0.0%

💡 Financial Health & Recommendations

Key Health Indicators

Emergency Fund0.8 months

Target: 6 months | Status: 🚨 Low

Debt-to-Income Ratio96.0%

Target: Below 36% | Status: 🚨 Very High

Investment Diversification2 asset(s)

Target: 5+ assets | Status: 🚨 Limited

Personalized Recommendations

⚠️

Increase Your Savings Rate

Your current savings rate is 4.8%. Try to increase your monthly savings by $4250 to reach 15%.

🚨

Build Your Emergency Fund

You have 0.8 months of expenses saved. Add $216,667 to reach 6 months.

💳

Focus on Debt Reduction

Your debt-to-income ratio is 96.0%. Aim to pay down $4,620,000 to reach the healthy 36% threshold.

🚨

Critical: Retirement Shortfall

You'll have a shortfall of $25,325,824 by age 85. To fix this, either: (1) Increase monthly savings by $84420/month, or (2) Reduce retirement spending to $69916/month.

📈

Diversify Your Investments

You have 2 investment(s). Consider diversifying across stocks, bonds, real estate, and other asset classes.

📉

High Monthly Debt Payments

Your monthly debt payments are 96.0% of your income. Consider refinancing or consolidating loans.

💰 Wealth Projection & Retirement Readiness

Full lifecycle projection from now through retirement

Assets:
Liabilities:
⚠️

Warning: Insufficient Retirement Funds

Your funds will be depleted before age 85. Increase savings or reduce retirement spending.

At Retirement Start
$20,974,876
Age 60
At Lifespan End
-$25,325,824
Shortfall at age 85
Monthly Withdrawal
$104,689
At retirement start ($50,000 base)
Retirement Duration
25 years
25 years away

💡 What this shows: Colored areas show your savings (green), investments (blue), and property equity (orange) growing. The red dashed line shows total debt & mortgages decreasing as you pay them off. At age 60, you begin withdrawing $50,000/month. ⚠️ Shortfall Alert: You'll be $25,325,824 short by age 85.

📊 Account Year-by-Year Progression

Account Type

💰 Net Worth Overview

Maturity Timeline

0 years (Age 35)

Expected Return

NaN%

YearAgeTotal AssetsTotal LiabilitiesCash Net WorthTotal Net WorthStatus
202535$4,833,333$4,800,000$-4,666,667$33,333Accumulation
202636$5,037,500$4,518,000$-4,137,000$519,500Accumulation
202737$5,267,677$4,304,000$-3,657,790$963,677Accumulation
202838$5,524,416$4,099,840$-3,169,724$1,424,576Accumulation
202939$5,808,393$3,891,354$-2,657,405$1,917,039Accumulation
203040$6,120,414$3,678,368$-2,119,346$2,442,046Accumulation
203141$6,461,413$3,460,702$-1,553,967$3,000,711Accumulation
203242$6,832,460$3,238,171$-959,584$3,594,289Accumulation
203343$7,234,758$3,010,577$-334,406$4,224,181Accumulation
203444$7,669,654$2,777,720$323,475$4,891,934Accumulation
203545$8,138,637$2,539,389$1,016,089$5,599,248Accumulation
203646$8,403,349$2,151,365$2,129,162$6,251,984Accumulation
203747$8,988,743$1,997,419$2,806,660$6,991,324Accumulation
203848$9,610,654$1,837,316$3,525,904$7,773,338Accumulation
203949$10,271,463$1,670,809$4,289,509$8,600,654Accumulation
204050$10,973,712$1,497,641$5,100,259$9,476,071Accumulation
204151$11,720,119$1,317,547$5,961,123$10,402,572Accumulation
204252$12,513,581$1,130,249$6,875,261$11,383,332Accumulation
204353$13,357,195$935,459$7,846,044$12,421,736Accumulation
204454$14,254,267$732,877$8,877,062$13,521,390Accumulation
204555$15,208,329$522,192$9,972,144$14,686,137Accumulation
204656$16,223,153$303,080$11,135,370$15,920,073Accumulation
204757$17,302,766$75,203$12,371,090$17,227,563Accumulation
204858$18,451,474$0$13,522,154$18,451,474Accumulation
204959$19,673,874$0$14,670,614$19,673,874Accumulation
205060$20,974,876$0$15,896,568$20,974,876Retirement
205161$19,823,952$0$14,669,469$19,823,952Retirement
205262$18,637,066$0$13,405,265$18,637,066Retirement
205363$17,413,116$0$12,102,838$17,413,116Retirement
205464$16,150,967$0$10,761,035$16,150,967Retirement
205565$14,844,658$0$9,373,877$14,844,658Retirement
205666$13,497,679$0$13,497,679$13,497,679Retirement
205767$12,136,550$0$12,136,550$12,136,550Retirement
205868$10,733,199$0$10,733,199$10,733,199Retirement
205969$9,286,330$0$9,286,330$9,286,330Retirement
206070$7,794,610$0$7,794,610$7,794,610Retirement
206171$6,256,664$0$6,256,664$6,256,664Retirement
206272$4,642,830$0$4,642,830$4,642,830Retirement
206373$2,944,550$0$2,944,550$2,944,550Retirement
206474$1,158,571$0$1,158,571$1,158,571Retirement
206575$-718,473$0$-718,473$-718,473Retirement
206676$-2,690,066$0$-2,690,066$-2,690,066Retirement
206777$-4,759,806$0$-4,759,806$-4,759,806Retirement
206878$-6,931,420$0$-6,931,420$-6,931,420Retirement
206979$-9,208,758$0$-9,208,758$-9,208,758Retirement
207080$-11,595,805$0$-11,595,805$-11,595,805Retirement
207181$-14,096,678$0$-14,096,678$-14,096,678Retirement
207282$-16,715,638$0$-16,715,638$-16,715,638Retirement
207383$-19,457,088$0$-19,457,088$-19,457,088Retirement
207484$-22,325,581$0$-22,325,581$-22,325,581Retirement
207585$-25,325,824$0$-25,325,824$-25,325,824Retirement

💡 Net Worth Overview: Shows your total financial position including all assets and liabilities. Accumulation Phase: Building wealth through savings and investments. Retirement Phase: Withdrawing from accumulated wealth.