Draft

Eclipse

A financial tool to help line everything up.

Eclipse pulls your income, accounts, debts, and spending into one place, then shows where the money lands in priority order. The point is to turn a pile of scattered numbers into one picture you can actually read.

Educational tool only. Eclipse is provided for general informational purposes and does not constitute financial, investment, tax, or legal advice, and no advisory or fiduciary relationship is created by using it. All figures are estimates based on general assumptions and may not reflect your circumstances. Consult a qualified professional before making any financial decision.

Switchboard

Income tier

Round anchors from U.S. 2024 income bands (Pew rule, size-adjusted).

Cost of living

Local price level (BEA RPP): metro about +18%, suburb average, rural about −11%.

Annual income
$0
$0$500,000

Expenses

Nothing here yet. Hit Autofill for a common-sense example, or use Edit to set your income.

Accounts

No accounts yet. Add your current balances below.

Liabilities

No liabilities yet. Add balances, rates, and optional payments below.

Decision

The move

Keep the same loan, or buy up? Enter the new loan to split the monthly jump into the part that’s just the rate resetting and the part that’s the bigger house.

Add a Mortgage in Liabilities above to model a move against your current rate.

Projections

Where this puts you

How you stack up, and how the move forks your trajectory.

Set your income above to see where you land.

Savings waterfall

1Emergency fund

Starter buffer first (about one month), then build to three to six months of essential costs.

2Tax advantaged accounts
  • 2a401(k) up to the employer match do first
  • 2bHSA, if on a high deductible plan (triple tax advantage)
  • 2cRoth IRA (or Traditional, by income)
  • 2dMax the 401(k) to the annual limit
3Investments (taxable)
  • 3aBroad low cost index funds
  • 3bBonds and fixed income
  • 3cReal estate and REITs
  • 3dIndividual or higher risk positions

Also fits here: 529 for kids, mega backdoor Roth, and other goal accounts.

Structure only. General best practice ordering, not personalized advice.

Paydown waterfall

Add liabilities above to see your paydown order.