Your money. Your plan. Your future home.

Understand your financial situation, verify the facts, and receive specific steps toward homeownership.

YOUR HOMEOWNERSHIP JOURNEY

Start with a quick money check

Enter your income, expenses and savings to understand where you stand. You can add a bank statement later for a more detailed assessment.

1 · Check your money2 · Review your finances3 · Follow your plan

Start with your income and goal

Net pay per paycheck ($)Pay periods per yearMonthly personal expenses ($)Accessible savings ($)Homebuying cash goal ($)

Initial savings outlook

Enter expenses and calculate to see your estimated savings capacity.

Optional: explore retirement contributions

403(b) paycheck explorer

Illustrative pre-tax contributions, not an exact payroll calculation. Retirement funds may not be available for a home purchase.

Extra contribution per paycheck ($)

Assumed marginal income-tax rate (%)

1. Import financial transactions

Upload your own bank CSV export to review transactions. No example or previous customer statements are included.

Upload bank CSV

I consent to processing this statement in my browser. I understand it may contain sensitive financial information.

This pilot does not transmit uploaded files to an application server. Do not deploy a version containing real customer statements publicly.

2. Bank reconciliation

Imported totals are not automatically verified against an official bank statement.

No statement loaded. Assessment will not use transaction-derived income or expenses.

3. Classify personal spending

First assign categories to every transaction, then accept all proposed classifications. You will see the completed review summary before choosing to continue. An accepted uncertain category remains uncertain and is not counted as verified spending.

Load transactions, classify them, and accept the proposed classifications. Continue only after checking the summary.

Date	Transaction	Amount	Category	Scope	Reviewed
No transactions loaded

MY HOMEOWNERSHIP DASHBOARD

Your next step starts here

Complete your money check and assessment to see your personalized plan.

Home savingsNot enteredGoal not set

Monthly cash flowNot assessedBased on assessment

Home savings goal—

Your next three steps

Your personalized steps will appear after your assessment.

Figures are customer-reported estimates unless separately verified. Completing tasks does not mean money has been saved.

Update my financial information

4. Complete your assessment

Transaction-derived values show their source and verification status. Other values are customer-provided. Missing figures are never silently filled with examples.

No financial information entered yet.

Monthly take-home income ($)Monthly personal expenses ($)Additional debt minimums NOT included in expenses ($)Current accessible savings ($)

Home purchase savings goal ($)Emergency reserve targetHighest debt interest rate (%)Credit readiness

Monthly reduction in verified discretionary spending ($)Income pattern

Home purchase horizonRetirement employer match

My learning and task checklist

5. My action tracker & LMJ learning pathway

Your recommended lessons are suggested topics for LMJ University, not links to verified published courses.

Generate an assessment to see your actions.

Monthly check-in and coaching

6. Save progress & monthly check-in

Your financial records are sensitive. Nothing is saved automatically. Save an unencrypted local browser copy only on a private device, or export a backup file you control. Browser storage is NOT secure storage and can be cleared by your browser.

No saved data loaded. Use a private device.

Monthly progress check-in

Check-in monthActual accessible savings ($)

Actual monthly personal expenses ($)Actual monthly take-home income ($)

No monthly check-ins yet.

Monthly coaching review

Uses your entered monthly check-ins, not a verified bank connection. Shows trends and suggests your next action. These are educational prompts, not financial advice.

Record at least one check-in to see your coaching review.

Full assessment and calculations

Your assessment will appear here

Complete the required financial fields, then generate your plan.