Financial Direction Dashboard
Track whether income growth is turning into lasting wealth.
Monthly wealth building
Cash/investment savings plus employee and employer 401(k)
Direction check
Automatically updated from your entries
Fidelity balance
Observed portfolio checkpoints from your history
Change since prior checkpoint — mixes contributions and market movement unless noted
Retirement engine
Full Financial Picture
Earning, expenses, HYSA savings, and Fidelity investing merged into one timeline — from your earliest bank records through today.
Fidelity balance, Dec 2024 – today
Every observed month-end balance across the full history
Yearly summary
Click a year to see every transaction rolled into it
Quarterly summary
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Monthly detail, full history
Sourced from Chase checking, Citi checking, and Citi HYSA transactions. Expenses are recorded (from card-payment activity) where available; implied (earning minus fresh savings) only for months without transaction data. "Unclassified" is a real credit whose source isn't yet identified — excluded from earning and savings totals.
Monthly Tracker
Add one row each month. Internal transfers and refunds should not be counted as fresh savings.
History
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Use actual month-end numbers when available.
Log HYSA → Fidelity transfer
Income, expenses and total fresh savings are entered on the Monthly tracker page. Add just the Fidelity transfer amount here so it can be split out from the HYSA reserve.
Monthly Cash Flow
Inflow, expenses, and where fresh savings actually went — into the HYSA reserve or out to Fidelity.
To Fidelity by month
Known transfers from checking/HYSA into taxable investing
Retained in HYSA / cash by month
Fresh savings minus whatever moved to Fidelity that month
Monthly breakdown
Investment Growth
How much you invested each month, and what your Fidelity portfolio grew to.
Invested per month
Known transfers into Fidelity taxable investing each month
Portfolio value: invested vs. growth
Each bar is the ending balance, split into actual money invested and growth on top of that
InvestedGrowth
Asset allocation
Current split across your tracked USA investment and reserve accounts
Month by month
Net Worth
Keep balances here for a clean household balance sheet.
Balance sheet
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Financial Health
Retirement, a possible move to India, and the child's education — combined into one readiness picture.
Retirement readiness — target 2036
India-move readiness
Insurance coverage
Every figure below is unconfirmed — verify against actual policy documents before relying on it
Education readiness
Retirement withdrawal scenarios
Standard "4% rule" heuristic applied to your projected Fidelity + 401(k) balance — a widely-used planning shortcut, not a recommendation. Adjust the assumptions to match your own plan.
If you retired today
Accessible funds today
Withdrawal sequencing (general order, not advice)
To raise this from "unconfirmed" to real
India Assets
Current value, anticipated growth, and a liquidation plan for each India property.
Properties
Uncheck Include to leave a property out of Net Worth and the projections below
Anticipated growth
Projected using your own previously-discussed appreciation assumption — not a forecast or guarantee
โน โ
Liquidation plan
Scenarios you've previously discussed, with projected value at each point — not a recommendation on which to choose
Before executing any sale
Child Education
529 and UTMA savings, and a growth projection toward college.
Accounts
Projected growth toward college
Editable assumption โ 529/UTMA balances are typically invested more conservatively than retirement accounts as college nears
Funding plan
What it would take to close the gap, a year-by-year milestone check, and where the money currently sits
Milestone timeline (at the required monthly contribution)
Funding source breakdown (current balances)
Notes
India vs USA Retirement Readiness
Could you retire using just India assets? Just USA assets? Both, side by side.
Scenario comparison
Same 4%-rule heuristic applied to each pool separately — not a recommendation, just the arithmetic
Retirement spending scenarios
Three monthly spending levels tested against each asset pool's 4%-rule withdrawal capacity
Why these aren't directly comparable
India Retirement
Could India assets alone fund retirement spending — and if not yet, when might they?
Spending scenarios, India assets only
4%-rule withdrawal capacity from sellable India assets (your share), vs. your three spending targets
When could India assets alone cover each target?
Using the appreciation assumption set on India Assets, projected forward until the 4%-rule capacity reaches each target
Caveats
USA Retirement
What USA assets alone could fund — spending is shown in INR either way you frame it.
Stay in USA vs. move to India
Same USA asset pool, same 4%-rule math — the difference is where you actually spend it
Spending scenarios (INR)
Your three spending targets vs. USA-only withdrawal capacity, converted to INR
When could USA assets alone cover each target?
Editable growth assumption for USA assets (market growth only, no new contributions) — projected forward until the 4%-rule capacity reaches each target
Caveats
10-Year Estimate
If you keep investing at the monthly rates set in Settings, here's the projected corpus year by year.
Projected corpus, year by year
Fidelity, 401(k) and 529 grow with contributions + assumed market growth; HYSA is held flat as a cash reserve
Caveats
Plan & Insights
Rules designed around your current cash flow and retirement start.
Recommended money flow
Current benchmarks
What to watch each month
Planning Context
Household, goals and rules carried over from prior planning conversations. Reference only — not included in net-worth totals until confirmed.
Household
Goals
Decision checklist
Ask these questions when judging whether finances are moving the right direction
Data rules
Always apply when entering or interpreting numbers
Reference figures
Historical / stale values — confirm before treating as current
Items to confirm
Settings
App-wide assumptions used consistently everywhere — change once here, not in each tab.
Exchange rate
Used for every USD/INR conversion in the app: Net Worth, India Assets, Financial Health, and India vs USA
This is an editable assumption, not a live market rate — update it periodically to keep conversions realistic.
Retirement spending scenarios
Three monthly spending levels (INR), used everywhere retirement readiness is tested: India vs USA, India Retirement, and USA Retirement
Monthly targets
Reference figures for your recurring monthly numbers — not wired into other calculations yet, just kept here so they live in one place
Data & Backup
Your entries are stored in the app's JSON data file on the server. A browser-local fallback and JSON export are also available.
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Every successful login with the shared password, so you can spot anyone you don't recognize
Case: Gulbarga
O.S. No. 0000001/2023 — Senior Civil Judge's Court, Kalaburagi
โ๏ธ
Case status (as of Aug 2026)
Civil Evidence stage — settlement talks ongoing
Plaintiff's examination-in-chief (PW-1) is in progress. Settlement discussions began 23 Jun 2025; next hearing was scheduled 10 Jul 2025. Confirm current status with your advocate — this page reflects the last update captured in your case files.
โ๏ธ
Case stage
Civil Evidence
Current phase: PW-1 chief exam
๐
Filed
17 Dec 2022
Registered 03 Jan 2023
โฑ
Pending
~2 yrs 8 mo
As of Aug 2026
๐ค
Recent development
Settlement talks
Ongoing since 23 Jun 2025
Case reference
| Field | Detail |
|---|---|
| Court | PRL. Senior Civil Judge, CJM, Kalaburagi (Court No. 317) |
| Case number | O.S./0000001/2023 |
| Filing number | 406/O.S. |
| CNR number | KA3202002803202022 |
| Filing date | 17 December 2022 |
| Registration date | 03 January 2023 |
Parties
| Role | Name | Detail |
|---|---|---|
| Plaintiff / Petitioner | Rajlaxmi W/o Samjeev Kumar, D/o Late Anil Kulkarni | ~37 years, private work — sister |
| Defendant / Respondent | Amitkumar S/o Late Anil Kulkarni | ~41 years |
| Related, not a party | Bhagyashree (Bhagya) | Second sister — separate settlement/waiver being negotiated |
| Representation | SPA holder Smt. Bhagyashree via Ameet Kulkarni | Appointed 22 Apr 2025 |
Advocate discussion points on file
Case Timeline
Procedural history, O.S. No. 0000001/2023
Stage 1 — Summons (2023–2024)
| Date | Event | Status |
|---|---|---|
| 03 Jan 2023 | Case registered and first hearing | Summons issued |
| 13 Jul–29 Aug 2023 | Civil evidence proceedings initiated | Ongoing |
| 29 Aug–30 Sep 2023 | Continued civil evidence hearings | Ongoing |
| 05 Apr 2024 | Hearing — no representation for objection | For objection |
| 25 Apr 2024 | Time granted for objections | Summons stage |
Stage 2 — Amendment & Objections (Oct–Nov 2024)
| Date | Event | Outcome |
|---|---|---|
| 01 Oct 2024 | IA No.2 & 3 objection deadline passed; amendments filed | IAs allowed @ Rs.250/- cost each |
| 15 Oct 2024 | Amendment carried out; amended plaint filed | Call for WS filing by 07-11-2024 |
| 07 Nov 2024 | Filing of amended plaint and written statement | Next hearing scheduled |
| 20 Nov 2024 | Amended plaint filed with memo and additional WS | Awaiting further action |
Stage 3 — Framing of Issues & Evidence (Mar–Jun 2025)
| Date | Event | Status |
|---|---|---|
| 18 Mar 2025 | Plaintiff examined as PW-1; affidavit filed | Chief exam ongoing |
| 26 Mar 2025 | Chief examination of PW-1 continued | Further exam called |
| 04 Apr 2025 | Final chance for chief examination of PW-1 | Evidence stage |
| 22 Apr 2025 | IA No.5 filed for SPA (Smt. Bhagyashree); IA No.4 filed with WS | IAs allowed @ Rs.200/- cost |
| 24 Apr 2025 | Issues framed | Call for plaintiff's evidence |
| 04 Jun 2025 | Plaintiff's evidence deadline | Evidence stage |
| 23 Jun 2025 | Settlement talks initiated | Ongoing settlement |
| 10 Jul 2025 | Next hearing scheduled | For settlement/evidence |
Notes
The case has been pending ~2 years 8 months since filing. Multiple amendments/postponements extended proceedings, particularly the 2024 amendment/objection stages. The court has repeatedly set "last chance" deadlines, indicating a judicial push to expedite.
Properties in Dispute
12 properties referenced across the case documents (labeled A–L)
| Ref | Property | Basis / status | Dispute status |
|---|---|---|---|
| A | Chincholi Farm, SY 309/5, 3 acres | Gift deed from uncle | Amit's individually |
| B | Bhagarkola, SY 64/1, 2.28 acres | Father's / ancestral | In dispute (1/3 each ≈ 0.76 acre) |
| C | Bhagarkola 2 / Shared, SY 66, 3.24 acres | Ancestral | In dispute (1/3 ≈ 1.08 acre) |
| D | Laxmi Hola, SY 2, registered 11 acres (8 usable — 3 acres lost to govt. canal) | Ancestral | In dispute (1/3 nominal) |
| E | Gulbarga House, Plot 133 | Grandmother's (Damayanti Bai) will | Amit's, will verification pending |
| F | Plot 98, Rajapur | Given to Rajlaxmi by Amit, fulfilling father's wish | Not in dispute |
| G | Ram Mandir Site, Plot/SY 77, 40×50 | No gift deed — claimed as Amit's purchase | Claimed individually |
| H | Chittapur, Plot 104 (sites 7 & 8), 3 sites 40×40 | Ancestral | In dispute (1/3 each) |
| I | Kumbarwada, Bidar | Already sold by father | Not in dispute |
| J | Mylore, Bidar | Already sold by father | Not in dispute |
| K | Flat A-443, Bangalore, ~1000 sq ft | HDFC loan purchase | Amit's |
| L | Tegnoor Site, SY 26/A & 26/Aa, Plot 4, 40×30 | — | Given to Bhagya |
Notes
Property D has a documented shortfall: 11 acres registered but only 8 usable (canal encroachment) — this reduces its valuation versus the registered acreage. Properties G and L have no gift deeds on file, which the settlement drafts treat as strengthening Amit's individual-purchase claim.
Naming note: some source documents refer to "Chittapur sites" where your Net Worth / India Assets tabs use "Iftekar sites" — confirm whether these are the same properties before treating figures across both parts of this app as directly comparable.
Financial Claims
Documented support, loans, and claim amounts referenced in the case files
Amit's documented parental support
Two figures appear across drafts — shown as recorded, not reconciled
| Source | Mother's medical | Father's medical | Housing / other | Total |
|---|---|---|---|---|
| Final Settlement Proposal (2005–14 / 2005–20) | โน23,60,000 | โน43,54,000 | โน73,20,000 | โน1,40,34,000 |
| 22-Year Burden doc (1998–2020 basis) | Documented medical + support only | โน1,28,34,000 | ||
| 22-Year Burden doc, incl. estimated living costs | Range, includes estimates | โน2,60,34,000 – โน3,92,34,000 | ||
โน13,00,000 payment to Rajlaxmi's husband (2021)
Disputed as loan vs. gift — interest calculated two different ways across drafts
| Basis | Rate | Period | Interest | Total claimed |
|---|---|---|---|---|
| Draft 1 | 12%/yr | 5.67 years | โน8,84,520 | โน21,84,520 |
| Draft 2 | 10%/yr | 5.67 years | โน7,37,100 | โน20,37,100 |
Other figures on file
| Item | Detail |
|---|---|
| Father's pension | โน700/month (~โน11.66/day per person for two people) |
| Rajlaxmi's claim (some drafts) | Referenced as โน40–50 lakhs (property) |
| Family expense claims table (Case Summary PDF) | โน93,00,000 total — parents' maintenance โน61L, sister's wedding loan โน7L, sister's medical emergency โน12L, โน13L husband claim; expected recovery โน70–85L |
Notes
These documents are internal settlement-strategy drafts, not filed pleadings, and contain internally inconsistent numbers across versions (flagged above). Treat later-dated / larger files as most current, but reconcile with your advocate before relying on exact figures.
Settlement Position
Proposed terms on file, as of the latest drafts (Aug 2026)
Options considered for Rajlaxmi
| Option | Terms |
|---|---|
| A — No settlement | Full litigation; โน21.85L loan recovery pursued |
| B — Charitable payment | โน5–10L payment with full waiver; loan deducted first |
| C — Court-mandated division | โน15–20L if court mandates division; loan deducted first |
Bhagya (Bhagyashree) settlement
โน24,00,000 total, in exchange for waiving claims to Properties B, C, D, G, H
| Item | Amount |
|---|---|
| Wedding | โน7,00,000 |
| Medical / delivery emergency | โน12,00,000 |
| 2026 treatment | โน2,00,000 |
| Bangalore flat site-loan closing | โน3,00,000 |
| Total | โน24,00,000 |
The waiver document is drafted but signature/witness fields appear blank in the file on hand — confirm whether it has since been signed and notarized.
Cash-settlement scenarios (keep all farms, pay cash instead)
| Rate | Total range |
|---|---|
| โน5L / acre | โน65,00,000 |
| โน7L / acre | โน91,20,000 |
Split between Rajlaxmi and Bhagya; range depends on per-acre valuation used.
Notes & Next Steps
Your own running notes — not sourced from the case files
Source files on record
These documents exist in your local case folder; this app doesn't store or link the files themselves
Sensitivity reminder
This section holds active litigation strategy and settlement positions, protected by the same shared password as the rest of this app. If that password is ever accessible to anyone connected to the other side of this case, this page should not be relied on to stay private.
Financial tracking tool for planning and education. Verify balances and tax treatment with your account statements and advisers.