Cash & banking
Every account and what is actually in it — read off the broker on 2026-09-14 (Sep 14, 2026, 9:35 PM).
Where the money sits
What to notice: only the first two bands are money you could spend this week. The third has to be sold first.
- Bank deposits$19,1706.8%Checking and savings — spendable today
- Uninvested brokerage cash$9,2403.3%Sitting in the brokerage account, not bought into anything
- Investments$253,24189.9%Stocks you own — reachable only by selling
Accounts
Account numbers are stored and shown as the last four digits only.
| Account | In the account | Can withdraw today | Interest rate | Interest this year | Share of total |
|---|---|---|---|---|---|
Joint Brokerage ···0000 Sample Brokerage · Brokerage Investments plus any uninvested cash | $262,480.90 | $9,240.15 | — | — | 93.2% |
Everyday Checking ···1111 Sample Savings Bank · Checking Bank deposit — spendable now | $4,182.60 | $4,182.60 | 0.05% | $1.74 | 1.5% |
Rainy Day Savings ···2222 Sample Savings Bank · Savings Bank deposit — spendable now | $6,905.30 | $6,905.30 | 0.01% | $0.62 | 2.5% |
Reserve Money Market ···3333 Sample Reserve Trust · Money market Bank deposit — spendable now · typed in by hand | $8,082.50 | $8,082.50 | 4.15% | $241.18 | 2.9% |
| Total | $281,651.30 | $28,410.55 | 1.76% | — | 100.0% |
Reading this table: “Interest rate” is the APY — annual percentage yield, what the bank pays you for a year of leaving the money there. The brokerage row shows no rate because it is not a deposit account: its value moves with the share prices, not with an interest rate. The total row’s rate is the average across the deposit accounts, weighted by how much is in each.
Worth knowing
$11,088 sits in 2 deposit accounts yielding under 1.00% — earning about $2.78 a year.
What this means: APY ("annual percentage yield") is the interest rate a bank pays you for leaving money there. These accounts pay close to nothing, so this balance is not growing. For scale: at an assumed 4.00% — a rate this app does NOT look up, it is a number set in the config for comparison only — the same $11,088 would earn about $444 a year instead of $2.78. That is the size of the gap, not a recommendation.
$8,750.00 of margin debt is outstanding across 1 account.
What this means: A margin balance is money borrowed from the broker against the investments you already own. It accrues interest, and if the account value falls far enough the broker can sell your holdings without asking to cover it. It is not part of the cash you can spend, which is why the "Cash you can reach today" figure above leaves it out.
1 of 4 accounts was typed in by hand rather than pulled from the broker: Reserve Money Market.
What this means: A hand-entered balance is only as good as the moment it was copied, and nothing checks it against the bank. Rows pulled straight from the broker's own feed update themselves when you re-run the pull; these do not. Treat them as a note you wrote to yourself.
What the deposits earn
- A year of interest at the rates these accounts actually pay
- $338.21
- The same balances at a 4.00% comparison rate
- $766.82
About that second number: this app does not look up deposit rates anywhere. The 4.00% is a fixed figure written into the code so the gap has a size you can see; it is an assumption, not a quote, and it is not a recommendation to move anything. Edit it in src/config/cash.ts when you next check what accounts are really paying.
Personal decision-support, not financial advice. Every figure on this page is arithmetic on balances read from the broker on 2026-09-14. No model produced any number here.