How fast you're spending, and how long your current savings lasts at that rate. Excludes the Jan–Mar medical emergency spike — uses a "normal" baseline instead.
Cash on Hand
₱1,098,166
UB Savings · live balance
Avg Monthly Burn (all-in)
₱434,056
6-month avg incl. medical emergency
Normal Monthly Burn
₱225,311
Excl. Jan–Mar medical payoffs
Runway (Normal Burn)
4.9 mo
At ₱225K/mo · to zero, no income
Break-Even Income Needed
₱225,311
Per month to stop drawing down
Current Monthly Income
~₱0
No recurring confirmed — AR pending
Monthly Outflows — UB Savings
Green = money in. Red = money out. The Feb ₱1M+ green spike was Gerry's consulting payment covering medical bills.
⚠️ No confirmed recurring income right now. Both invoices (₱371K total) are overdue and uncollected. At ₱225K/mo normal burn, you have ~4.9 months of runway from savings alone — assuming nothing breaks and no big surprises.
🎯 Break-even target: ₱225K/mo (~$4,000 USD) recurring would stop savings drawdown completely. fCAIO at ₱167K/mo + one more client covers it.
Runway Scenarios
How long savings lasts depending on what income arrives.
Scenario
Monthly Income
Net Burn
Runway
Zero income (worst case)
₱0
−₱225,311/mo
4.9 months
Both invoices collected + no new work
₱371,255 (one-time)
−₱225,311/mo
6.5 months
fCAIO (VGL) paying monthly
₱167,000/mo
−₱58,311/mo
18.8 months
fCAIO + Gerry Lane Holdings
₱350,000/mo
+₱124,689/mo
∞ (growing)
$5K/mo target hit
₱280,000/mo
+₱54,689/mo
∞ (growing)
💰 Income Concentration Risk
Where your money actually comes from. Single-client dependency = the most dangerous financial risk for a solopreneur. If one source stops, everything stops.
Income Sources (Active)
2
Gerry (LHO) + Virginia (VGL) — both Lane family
Single-Family Dependency
100%
All PHP income is Lane family money
Largest Single Inflow
₱1,000,000
Feb 19 consulting payment from Gerry
Total Income (6 months)
₱1,902,462
All sources Dec 2025–May 2026
Income by Source
Percentage of total 6-month income by origin.
Income Timeline
When money actually arrived vs. when it was expected.
Date
Source
Amount
Dec 26, 2025
INREM — Int'l wire OCBC SGD or ING AUD
₱291,900
Feb 4, 2026
Instapay — Gerry Mold inspection reimbursement
₱39,200
Feb 19, 2026
Instapay — Gerry Lane Holdings consulting
₱1,000,000
Dec 26, 2025
INREM — Int'l wire #2
₱120,000
Apr 28, 2026
Instapay 0005123287 Source unconfirmed ❓
₱290,000
Apr 28, 2026
INREM PCHC Int'l wire — source unconfirmed ❓
₱120,000
May 6, 2026
Instapay — Gerry Apr 27 reimbursement bundle
₱160,581
Risk Assessment
Risk
Severity
Current State
Mitigation
Single-family dependency
CRITICAL
100% of PHP income from Lane family
fCAIO external clients = priority #1
Irregular income timing
HIGH
No predictable monthly payment date
Invoice net-30 terms + follow-up cadence
No retainer structure
MEDIUM
Project-based billing, not recurring
Propose monthly retainer to Gerry/Virginia
FX exposure (AUD/SGD)
MEDIUM
Int'l inflows in foreign currency
Time conversions — balance TBD
Upwork income near zero
LOW
₱135 YTD — effectively dormant
Not a priority — fCAIO is the path
🚨 The core risk: If Gerry stops paying (family business decision, cash flow issue, or relationship friction), your PHP income hits zero overnight. The ₱371K in overdue invoices is already a warning sign — 30 days with no response isn't normal for a healthy client relationship.
💳 Credit Card Debt Payoff Projector
Move the slider to see how long it takes to clear the UB CC balance at different monthly payment amounts. UB Cashback Platinum charges ~3.5%/month interest on the outstanding balance.
UB CC Balance
₱183,431
Outstanding as of May 2026
Monthly Interest Rate
3.5%
~42% APR · typical PH CC rate
Interest Burn YTD (UB)
₱22,812
Jan–May 2026 · ₱4,562/mo avg
Min to Beat Interest
₱6,420
3.5% × ₱183,431 — just to not grow
Interactive Payoff Calculator
How long to clear ₱183,431 at different monthly payment amounts?
Months to Clear
—
Total Interest Paid
—
Debt-Free Date
—
Quick Scenario Comparison
Strategy
Monthly Payment
Months
Total Interest
Verdict
Minimum (interest only)
₱6,420
Never clears
∞
Trap
Slow pay
₱10,000
29 months
₱102,000
Expensive
Moderate
₱20,000
12 months
₱52,000
Acceptable
Aggressive
₱50,000
4 months
₱14,000
Good
Full lump sum now
₱183,431
1 month
₱0
Best ROI
💡 Lump sum is the highest-ROI move available to you right now. Paying ₱183,431 from savings today saves ~₱52,000+ in future interest — a guaranteed 28% return on that money. Once both invoices clear, this should be the first allocation.
📈 Spending Trend by Category
Month-over-month movement across all spending categories. Based on CC statements (SB + UB). Medical excluded from the trend chart — it's a one-time event that distorts everything.
Category Trend (Excl. Medical) — Jan–May 2026
Month-by-Month Breakdown
Category
Jan
Feb
Mar
Apr
May
Trend
Grab
₱30,961
₱23,093
₱31,737
₱10,765
₱13,762
↓ Down
Subscriptions
₱17,190
₱20,411
₱53,554
₱51,760
₱29,508
↑↓ Volatile
Dining
₱13,071
₱17,443
₱24,017
₱0
₱0
? Unclear
CC Interest
₱9,192
₱10,748
₱11,943
₱9,536
₱13,375
↑ Creeping
Shopping
₱33,320
₱13,391
₱4,957
₱13,394
₱7,577
↓ Down
Business
₱0
₱320
₱6,039
₱26,856
₱998
↑ Spiked Apr
Travel
₱0
₱0
₱22,705
₱6,899
₱0
Seasonal
Insurance
₱2,227
₱2,440
₱861
₱841
₱1,441
Stable
⚠️ CC Interest is the only category trending upward consistently. Every other category is flat or declining — but interest keeps climbing. This is the one line item that compounds against you the longer the CC balance sits unpaid.
📌 Subscriptions spiked Mar–Apr because several annual renewals hit (Kubera ₱15K, Evernote ₱13K, Tradeify ₱13K). The May drop-back is normal — those were one-time annual charges.
🧾 AR Aging Report
Accounts Receivable — money that clients owe you. The longer an invoice sits unpaid, the harder it is to collect. Industry rule: >30 days = risk. >60 days = serious risk. >90 days = likely loss.
Total AR Outstanding
₱371,255
2 invoices · 0 paid
Days Overdue (Avg)
16 days
Across both invoices weighted
Oldest Invoice
30 days
LFO-2026-001 sent Apr 24
Collection Probability
High
Family clients · strong relationship
Invoice Aging Detail
Invoice
Client
Sent
Due
Amount
Days Out
Action
LFO-2026-001
Lane Holdings Gerry M. Lane · consulting
Apr 24
May 24
₱204,255
30 days · OVERDUE
Follow up TODAY
INV-2026-001
Virginia G. Lane VGL LMS · fCAIO Month 1
May 19
May 22
₱167,000
2 days · OVERDUE
Gentle reminder
AR Aging Bucket View
📋 Suggested follow-up language for LFO-2026-001 (Gerry):
"Hi Gerry, following up on Invoice LFO-2026-001 for ₱204,255 (sent Apr 24, due May 24). Happy to answer any questions. Please let me know the expected payment date so I can update my records. Thanks!"
📋 Suggested follow-up for INV-2026-001 (Virginia):
"Hi Virginia, just a gentle reminder — Invoice INV-2026-001 for ₱167,000 (VGL LMS Month 1) was due May 22. Please let me know when I can expect settlement. Looking forward to continuing Month 2!"
📦 Subscription True Cost Stack
Every recurring charge — deduped to CC statement sources, annualized, and tiered by ROI. Three tiers: Keep (core tools), Review (investigate or justify), Kill (confirmed waste).
Total Subscriptions YTD
₱187,060
From CC statements · Jan–May 2026
Annualized Estimate
₱449,000
If all renew on current cadence
Confirmed Keep
₱96,000/yr
Core tools with clear ROI
Cuttable (Conservative)
₱80–130K/yr
Duplicates + idle + waste
✅ KEEP — Core Tools (Clear ROI)
Service
What it does
YTD Spent
Annual Est.
Claude.ai + Anthropic
AI assistant — literally Donna
₱15,961
₱38,000
Perplexity
Research layer
₱5,305
₱12,700
Superwhisper
Voice capture
₱3,729
₱3,729 (annual)
Bitwarden
Password manager (keep this one)
₱3,008
₱3,008 (annual)
Proton Mail
Privacy email infra
₱1,841
₱1,841 (annual)
Google AI Pro
5TB + Gemini Advanced + NotebookLM + YouTube Lite
—
~₱4,800/mo
Oura Ring
Sleep + HRV tracking — re-subbed Jun 7
—
—
Cloudflare
DNS / infrastructure
₱519
₱519 (annual)
Telegram Premium
Communications
₱707
₱2,120
Spotify
Music
₱1,416
₱3,400
Netflix
Streaming (one plan)
₱2,501
₱7,500
🟡 REVIEW — Investigate Before Renewing
Service
Flag
YTD
Action
ChatGPT Business
✅ Already dead — ended May 1, 2026
₱20,841
Done
Tradeify (×2 entries)
TRADEIFY ₱13,655 + Tradeify ₱6,591
₱20,246
Login → check active plans. Likely two plans or billing name change.
Kubera.com
₱15,345 annual — CFO system now exists
₱15,345
Decide before next renewal (~Mar 2027).
Evernote
✅ CANCELLED Jun 9 — 900 notes archived
₱17,115
Done
Shadow
✅ CANCELLED Jun 9 — $47/yr confirmed
₱12,114
Done
LinkedIn (×2 cards)
PayPal ₱6,616 + UB ₱6,518
₱13,134
Check if same PayPal billed to both cards. Kill duplicate.
Disney+
3rd streaming service
₱2,420
Actually watching it? If not, cut.
HBOMax
4th streaming service
₱1,028
Cut if not watching regularly.
Hostinger
Annual web hosting ₱14,470
₱14,470
What's hosted here? Confirm still needed.
🔴 KILL — Confirmed Waste
Service
Why Kill
Annual Saving
Discord Nitro + 8 Boosts
✅ CANCELLED Jun 9 — ends Jul 4
~₱28,416/yr
YouTube Premium
✅ CANCELLED Jun 9 — replaced by Google AI Pro
—
Google One (old)
✅ CANCELLED Jun 9 — replaced by AI Pro 5TB
—
GoPro Subscription
⚠️ Can't find account — may be Elle's
~₱45,350/yr
Microsoft 365
✅ CANCELLED Jun 9
~₱8,900/yr
2LUV / Love Letters
✅ CANCELLED Jun 9 — Elle app, not worth it
~₱14,820/yr
LastPass
✅ Already dead — expired Mar 2026
₱2,473
Any.do
✅ CANCELLED Jun 9
₱1,430
CryptoReviewing.com
✅ No recent charges — confirmed dead
₱1,463
Scribd
You have Audible + every other content sub.
₱469
FXReplay
✅ No recent charges — confirmed dead
₱732
TOTAL KILLS
₱6,567/yr
💾 Savings Rate Analysis
Of every peso that came in, how much stayed? A healthy savings rate is 20%+. Below 0% means you're drawing down — spending more than you earn that month.
Total In (6 months)
₱1,902,462
All deposits into UB Savings
Total Out (6 months)
₱2,713,394
All outflows from UB Savings
6-Month Net
−₱810,932
Net drawdown — mostly medical
Avg Savings Rate
−42.6%
Negative = spending more than earning
Monthly Savings Rate
📌 Context matters here. The −330% in Jan and −660% in Mar look catastrophic — but they were entirely driven by Kai's medical bills being paid off from savings. Apr's +875% is the rebound once Gerry's consulting payment landed. Strip out medical and the picture normalizes significantly.
🎯 Target: Once both invoices clear and a retainer structure is in place, a 20–30% savings rate (saving ₱45K–₱67K/month on ₱225K income) is the healthy baseline to aim for.
Savings Rate by Month
Month
In
Out
Net
Rate
Context
Dec 2025
₱292,362
₱364,759
−₱72,397
−24.8%
Normal month, slightly high spend
Jan 2026
₱0
₱330,695
−₱330,695
−∞
Zero income · Kai hospitalized
Feb 2026
₱1,039,336
₱876,980
+₱162,356
+15.6%
₱1M from Gerry · medical payoffs
Mar 2026
₱110
₱724,324
−₱724,214
−∞
Continued medical CC payoffs
Apr 2026
₱410,105
₱156,601
+₱253,504
+61.8%
₱290K+₱120K landed · low spend
May 2026
₱160,654
₱260,035
−₱99,381
−61.9%
Month not finished · invoices pending
🔮 3-Month Cash Flow Forecast
Projected Jun–Aug 2026 based on known recurring outflows. Income shown in two scenarios: zero new income vs. both invoices collected + VGL retainer continuing.
Starting Balance (Jun 1)
~₱998,785
Est. after May commitments clear
Known Monthly Outflows
₱225,311
Recurring baseline
Scenario A End Balance
₱323,852
Aug 31 · zero new income
Scenario B End Balance
₱1,427,107
Aug 31 · invoices + VGL retainer
Forecast Chart — Jun to Aug 2026
Known Recurring Outflows (Monthly Baseline)
Item
Type
Monthly Cost
Certainty
Elle household allocation
Transfer
₱95,000
Est. — varies
Core subscriptions (keep tier)
Recurring
₱6,400
Confirmed
UB CC minimum payment
Debt service
₱20,000
Confirmed
SB CC minimum payment
Debt service
₱15,000
Confirmed
GCash top-ups
Cash/misc
₱14,000
Est. avg
All other subscriptions
Recurring
₱25,000
Est. avg
Grab (food + transport)
Variable
₱22,000
Est. avg
Dining + Shopping + misc
Variable
₱27,911
Est. avg
TOTAL BASELINE
₱225,311/mo
🚨 Scenario A (no new income): By Sep 2026 savings drops to ~₱100K — critically low. The 3-month window is real. This is why the two overdue invoices and fCAIO continuity are not optional follow-ups — they're survival items.
✅ Scenario B (invoices + VGL retainer): Balance grows. ₱371K in collected invoices + ₱167K/mo retainer puts you in positive territory by July and growing through August.
↩️ Reimbursement Recovery Tracker
Money you paid out of pocket for legitimate work/family expenses — and are entitled to get back. Tracked by submission status, amount, and aging.
Total Paid Back (2026)
₱160,581
May 6 Instapay — Apr 27 bundle settled
Still Outstanding
₱94,840+
Gloria + Starlink + defibrillator TBD
Submitted to Gerry
₱94,840
2 items submitted Apr 24 — no reply
Approved, Amount TBD
₱?
Defibrillator — receipt PDF not yet read
Full Reimbursement Ledger
Item
Submitted
Amount
Status
Notes
Mold Inspection — Villa Halcyon
Apr 27 bundle
₱39,200
✅ PAID May 6
Part of ₱160,581 bundle
Generator Repair — Villa Halcyon
Apr 27 bundle
₱5,500
✅ PAID May 6
Part of ₱160,581 bundle
Villa Halcyon Maintenance 2023–24
Apr 27 bundle
₱37,950
✅ PAID May 6
Part of ₱160,581 bundle
Starlink Equipment — Villa Halcyon
Apr 27 bundle
₱53,700
✅ PAID May 6
Part of ₱160,581 bundle
Kubera Subscription
Apr 27 bundle
TBD
✅ PAID May 6
Part of ₱160,581 bundle
Gloria Salary Supplement 2026
Apr 24, 2026
₱60,000
🟡 SUBMITTED
30 days no reply from Gerry
Starlink Monthly — Villa Halcyon Jun 2025–Apr 2026 (11 months)
Apr 24, 2026
₱34,840
🟡 SUBMITTED
30 days no reply from Gerry
Defibrillator — Mindray Beneheart C2 For Kai · AED unit
May 13, 2026
₱? TBD
✅ APPROVED
Receipt PDF in Gmail — amount not yet read
🟡 Gloria (₱60K) + Starlink Monthly (₱34,840) have been sitting with Gerry for 30 days. Bundle these with the defibrillator receipt into a single follow-up email. One combined ask is easier than three separate ones.
🔴 Action needed: Read the defibrillator receipt PDF (SI.May Gerard Lane in Gmail). The amount is approved by Gerry — you just need to confirm the number and add it to the reimbursement bundle.