Forward plan
Build the buffer, then attack debt
Fastest path to financial independence: keep the emergency fund on track, avoid lifestyle inflation after the motorcycle hit, and prepare the November 2026 switch from buffer-building to aggressive loan paydown.
Primary constraint
AL Boliglån needs 7.737 kr / month from Nov 2026 to stay on the June 2030 payoff path.
FI target
345.756 kr invested/reserved against a 9.226.119 kr freedom number based on 30.753 kr monthly spend after the AL loan is gone.
Motorcycle recovery
Treat 125.548 kr as a one-time commuting asset hit; recovering at 2.000 kr/month takes 5 years 3 months.
Current investment gap
3.000 kr still missing versus this phase's monthly investment target.
Financial independence
9.226.119 kr
Freedom number at 25× annual spending. Gap: 8.880.362 kr. The Phase 3 13.400 kr/month investment order gives a straight-line, no-return projection of 56 years.
- Spend base
- 30.753 kr
- Income base
- 38.973 kr
- Plan savings
- 28%
House loan
340.448 kr
Base 2.400 kr/month would take 11 years 10 months; the documented acceleration plan pays 8.400 kr / month.
- Due target
- June 2030
- Required
- 7.737 kr
- Planned
- 8.400 kr
- Margin
- 662 kr spare
Investments
170.000 kr
8.880.362 kr FI gap at the current phase pace; Phase 3 lifts the automatic investment order to 13.400 kr/month.
- This month
- 0 kr
- Plan now
- 3.000 kr
- After loan
- 13.400 kr
Reserves
175.756 kr
Keep 100.000 kr before loan acceleration, then build toward 188.000 kr while the loan is being killed.
- Phase 1 target
- 100.000 kr
- Long cap
- 188.000 kr
- Gap to cap
- 12.243 kr
Motorcycle hit
125.548 kr
Detected purchase, license/service, and tax hits since May 2026.
- At 2k/mo
- 5 years 3 months
- At 3k/mo
- 3 years 6 months
- Items
- 5
Balances
Latest imported account balances
AL Boliglån
-340.448 kr
AL Budgetkonto
700 kr
AL Nemkonto
-486 kr
AL Housing buffer
45.519 kr
Danske forbrug
50.431 kr
June investments
170.000 kr
Lunar collections
596 kr
Lunar daily use
64.560 kr
Lunar Nemkonto
12.578 kr
Lunar Rawpotion
336 kr
Lunar regular payments
1.032 kr
Shock detail
Detected motorcycle-related cash hits
| Date | Description | Category | Amount |
|---|---|---|---|
| 2026-07-23 | Brdr. Sejr Motorcykler | unrecognized | -2.145 kr |
| 2026-07-08 | Skat - Motorafgifter | car | -460 kr |
| 2026-07-01 | Til Benny sejr mc | unrecognized | -109.999 kr |
| 2026-06-24 | Brdr. Sejr Motorcykler | unrecognized | -549 kr |
| 2026-06-08 | Motorcykel kørekort | unrecognized | -12.395 kr |
Targets
Monthly goal pressure
Housing
5.008 kr of 15.000 kr
9.991 kr remaining this month
Utilities
0 kr of 3.500 kr
3.500 kr remaining this month
Groceries & Dining
4.953 kr of 8.000 kr
3.046 kr remaining this month
Insurance
694 kr of 1.500 kr
805 kr remaining this month
Employment Insurance
0 kr of 700 kr
700 kr remaining this month
Subscriptions
468 kr of 1.200 kr
731 kr remaining this month
Infrastructure
1.723 kr of 600 kr
1.123 kr over target
Phone & Banking
238 kr of 250 kr
12 kr remaining this month
Charity
0 kr of 350 kr
350 kr remaining this month
Car & Transport
636 kr of 200 kr
436 kr over target
Activity
Recent transactions
| Date | Description | Category | Amount |
|---|---|---|---|
| 2026-08-29 | Netto | groceries | -16 kr |
| 2026-08-29 | 7-Eleven | dining | -85 kr |
| 2026-08-28 | Netto | groceries | -308 kr |
| 2026-08-28 | McDonald's | dining | -106 kr |
| 2026-08-28 | YDELSE 0174449 Boliglån | housing | -2.400 kr |
| 2026-08-28 | YDELSE 2656351 Budgetkonto | internal | 2.400 kr |
| 2026-08-27 | Steam | entertainment | -117 kr |
| 2026-08-26 | Zahlung ueber globales D | unrecognized | -584 kr |
| 2026-08-26 | Coop | groceries | -15 kr |
| 2026-08-25 | Hetzner Online | infrastructure | -542 kr |
| 2026-08-25 | Vinted | shopping | -404 kr |
| 2026-08-25 | Coop | groceries | -141 kr |