Copilot Demo — Layers 1 & 2

💡 This copilot helps you grow your money — not track where you spend it. You tell us your monthly nut. We focus on what's left over and where to put it.

Base Net Pay

$3,680

/month after tax + 401k

Next Commission

$3,150

Apr 11 (Jan close, 45d arrears)

Monthly Surplus

$1,920

above your nut — ready to grow

Idle Cash

$6,360

sitting in checking, earning $0

💰 Money Coming In — Next 60 Days

Apr 3 (Fri)

Base Pay +$1,840

Apr 11 (Fri) — Commission

January Closes +$3,150

This is where your surplus lives. Route it.

Apr 17 (Fri)

Base Pay +$1,840

May 1 (Fri)

Base Pay +$1,840

May 16 (Fri) — Commission

February Closes +$2,680

Lighter month. Still surplus.

May 29 (Fri)

Base Pay +$1,840

Total Surplus — Next 60 Days

$4,150

Above your monthly nut. This is money you can put to work.

📈 Commission Forecast

Based on closed pipeline · 45-day arrears · Fiscal year Dec–Nov

Quota Attainment (YTD) 32.4% — On Pace

$1.42M / $4.4M

APR (Jan close)

$3,150

MAY (Feb close)

$2,680

JUN (Mar close)

$2,200

JUL (Apr close)

TBD

AUG (May close)

TBD

SEP (Jun close)

TBD

🚀 Accelerator Tracker

Tier	Attainment	Rate	Status
Base	0–100%	1.0x	Current
Accelerator 1	100–125%	1.5x	—
Accelerator 2	125%+	2.0x	—

At current pace, you'll hit Accelerator 1 in September. Each deal after that pays 1.5x — your surplus jumps.

⚡ What To Do With Your Money

💵

Route April commission when it lands (Apr 11). You'll have ~$1,920 above your nut. Move $1,200 → house fund, $720 → brokerage.AFTER APR 11

⚠️

$6,360 sitting idle in checking. You only need ~$2,000 as a buffer. That's $4,360 earning nothing. Move it.DO NOW

🏠

House fund: 34% to goal. At $1,200/mo + surplus routing, you hit your down payment by mid-2028.TRACK

📈

401k maxes out ~October. Net pay jumps ~$480/mo. Decide now where that goes so it doesn't sit idle.PLAN AHEAD

Net Worth

$51,820

↑ $2,790 from last month

Total Assets

$78,420

−

Student Loans

$26,600

Net Worth

$51,820

🎯 Goals

🏠 Chicago House — Down Payment

34%

Target Home Price$375,000

Down Payment (15%)$56,250

Saved So Far$19,125

Monthly Contribution$1,200

On Track ForJuly 2028

If You Add SurplusFeb 2028

🛡️ Emergency Fund

72%

Target (3 months)$12,450

Current$8,960

Remaining$3,490

📊 Where Your Money Is Growing

401k

House

Brokerage

Emergency

Idle

401k — $29,800 ↑ 8.5%

House Savings — $19,125 4.1% APY

Brokerage — $14,175 ↑ 9.8%

Emergency — $8,960 4.1% APY

Idle Cash — $6,360 0%

🌱 Your Money Is Growing

Investment gains (YTD)

+$3,180

Your money made money while you worked.

Interest earned (YTD)

+$460

HYSA on house fund + emergency.

401k employer match

+$1,740

Free money. You're capturing 100% of match.

💼 What You Hold

Account	Holding	Value	YTD Growth
401k	Vanguard Target 2060	$22,350	+$1,690
401k	S&P 500 Index	$7,450	+$620
HYSA	House Savings	$19,125	+$320 interest
Brokerage	FBCG	$8,500	+$870
Brokerage	VTI	$5,675	+$410
HYSA	Emergency Fund	$8,960	+$140 interest
Checking	Idle Cash	$6,360	$0

📈 Net Worth Trend

OCT '25

$40,800

NOV '25

$43,100

DEC '25

$45,400

JAN '26

$47,200

FEB '26

$49,030

MAR '26

$51,820

Net worth = assets minus student loans. Every month both sides move in your favor.

Alex Chen's Financial Copilot