Financial Dashboard

Sep 2024 – Apr 2026  ·  20 months tracked  ·  Oklahoma

Last updated: Apr 2026

Total Income

$157,237

Avg $7,862/mo

Total Expenses

$119,871

Avg $5,994/mo

Net Savings

$37,367

Excl. $15K India NRE

Savings Rate

23.8%

20 months

Best Month

Apr 2026

+$12,098.94

⚠ Mazda CX-5 totaled — GEICO payout $15,264. Moved to Roxbury: dual rent + deposit $3,894. Qardan Hasana $4K savings.

Worst Month

Mar 2025

-$8,842.87

⚠ Annual Wajebat $12,582. Tax refund $773.

Year-over-Year

2024 (Sep–Dec) +$8,506
2025 (Full) +$20,124
2026 (Jan–Apr) +$9,030

🧾 2025 Federal Tax Return

Extension Filed Apr 15 2026

W-2 Wages

$100,847

AGI

$72,498

India rental loss −$28,349

Taxable Income

$40,998

Std deduction −$31,500

Federal Refund

+$4,121

Tax $0 after CTC $4,440

India Rental (Schedule E)

513 F Block, Hatimi Hill, Pune

Rent in +$2,525
Expenses −$30,874
Net loss −$28,349

Dependents (ITIN Applied)

Burhanuddin Huzefa Misri

DOB 11/18/2016 · Passport W9834653

Mohammed Huzefa Misri

DOB 03/04/2021 · Passport AS029464

Both on L2 visa, entered US 10/28/2024

Action Items

⚠ FBAR (FinCEN 114) required — India bank account

⚠ Oklahoma state ~$200 owed

✓ Extension filed Apr 15 2026

✓ ITIN apps for both sons

✓ India rental loss saves ~$4,260 in tax

Monthly Income vs Expenses

Monthly Net

Cumulative Savings

Expense Categories

🏠 Rent
$26,553
🕌 Religious Donations
$26,300
🚗 Vehicle
$16,600
🛍️ Shopping
$9,800
✈️ Travel
$7,500
🛒 Groceries
$4,200
💡 Utilities
$4,200
⛽ Transportation
$3,800
📱 Services & Subs
$3,200
🛡️ Insurance
$1,800
🍽️ Dining
$1,700
📚 Education
$2,100
💊 Health
$900
🎬 Entertainment
$500
🏛️ Government/Fines
$1,400
📦 Other
$2,000

Income Sources

Accenture Salary
$126,000
Tax Refunds
$2,635
Friend Repayments
$3,500
Wife Stitching
$500
Credits & Cashback
$1,500
Other
$500
Total $157,237

Wife's Earnings

Tasneem · 8 earning months

Total Earned

$1,125.62

School (Edmond Public)

$535.62

Substitute / part-time

Stitching Orders

$590.00

Tasneem · Mubaraka · Sarah Lokha · Mustansir D · Mubaraka / Juzer / Tasneem / Abdeali

Earning Timeline

May 2025 🏫 School
+$184.70
Jun 2025 🧵 Tasneem
+$75.00
Jul 2025 🧵 Mubaraka
+$25.00
Sep 2025 🏫 School
+$175.45
Jan 2026 🧵 Sarah Lokha
+$90.00
Mar 2026 🧵 Mustansir D
+$80.00
Apr 2026 🏫 School
+$175.47
Apr 2026 🧵 Mubaraka / Juzer / Tasneem / Abdeali
+$320.00

Tip: As school hours and orders grow, consider tracking this as a separate income stream.

Smart Insights

📅

Annual Wajebat — Plan Ahead

Wajebat hits every Feb/Mar: Mar 2025 was $12,582.40, Feb 2026 was $11,553.00. Keep ~$12K liquid each Jan.

💳

Monthly Subscriptions ≈ $250

Claude $200 · OpenAI $20 · Amazon Prime $15 · Apple $3 · Google One $2 · Cloudflare $10. Review annually.

🚗

Mazda CX-5 Net Cost: $9,600

Bought for $16,600 (Aug 2025), funded by Camry sale $7,000 + $9,600 cash withdrawal. Car ownership cost = net $9,600.

🇮🇳

$20,000 Sent to India NRE (May + Dec 2025)

$5K May 2025 + $15K Dec 2025 (Dec 4 + Dec 9) via Continental Exc. Both excluded from income/expenses — not deducted from savings rate.

📈

Best Month: Apr 2026 (+$12,098.94)

Nov 2025 had 3 Accenture pay cycles in one month. Mohan repayment $1,973 boosted May 2025. Road trip CO/UT/AZ/NV still ended positive.

⚠️

4 Negative Months — All Planned

Nov 2024 (Camry), Mar 2025 (Wajebat), Aug 2025 (Mazda), Feb 2026 (Wajebat). All large planned expenses, not overspending.

🧵

Wife's Earnings Growing — $1,125.62 Total

School: $535.62 (substitute teaching) · Stitching: $590.00 across 5 clients. Growing side income.

💡

GEICO Pattern: Every ~3 Months

Multi-month payments appear every 2–3 months ($46–$481). Not monthly — check renewal date to plan cash flow.

Monthly Detail

Click any row to view transactions
Month Income Expenses Net
Sep 2024 $6,000.04 $1,086.58 +$4,913.46
Oct 2024 $7,290.13 $5,476.02 +$1,814.11
Nov 2024 $7,081.62 $8,863.41 -$1,781.79
Dec 2024 $8,695.58 $5,135.27 +$3,560.31
Jan 2025 $5,799.85 $2,971.67 +$2,828.18
Feb 2025 $5,711.79 $2,151.65 +$3,560.14
Mar 2025 $6,545.74 $15,388.61 -$8,842.87
Apr 2025 $7,589.83 $4,167.29 +$3,422.54
May 2025 $8,165.43 $4,407.38 +$3,758.05
Jun 2025 $6,643.84 $6,541.85 +$101.99
Jul 2025 $6,889.84 $4,964.52 +$1,925.32
Aug 2025 $6,949.45 $13,341.58 -$6,392.13
Sep 2025 $7,712.07 $3,122.63 +$4,589.44
Oct 2025 $7,342.17 $2,826.12 +$4,516.05
Nov 2025 $11,150.96 $4,374.24 +$6,776.72
Dec 2025 $6,989.56 $3,402.15 +$3,587.41
Jan 2026 $4,466.90 $3,826.23 +$690.03
Feb 2026 $6,716.80 $14,187.75 -$7,470.95
Mar 2026 $6,906.35 $3,145.36 +$3,760.99
Apr 2026 $22,589.23 $10,490.29 +$12,098.94
Total $157,237.18 $119,870.60 +$37,366.58

🇮🇳 India NRE Account

ICICI Bank · 147505075061

Balance (INR)

₹12,05,863

~$14,355 USD

Total Remitted

$20,000

USD → INR (May + Dec 2025)

Qardan Hasana

₹4,00,000

Mustafa mama + brother

Family Support

₹70,000

Wife — Quran + builder

Transaction History

Date Description Withdrawal Deposit
05-28

RDA Money Transfer (from USA)

$5K remittance via Continental Exchange

+₹4,27,598 ($5,000)
07-01

ATM Cash Withdrawal

India trip — cash

−₹4,000
07-01

ATM Cash Withdrawal

India trip — cash

−₹6,000
07-05

MOULANA COM Chennai

Community contribution — Chennai

−₹1,765
07-06

ATM Cash Withdrawal (with fee)

India trip — cash + ATM fee

−₹5,027.14
07-06

IBIBO GROU (MakeMyTrip)

India trip — flight or hotel booking

−₹3,852
07-11

ATM Cash Withdrawal — Jhalawar

India trip — Jhalawar (Rajasthan)

−₹7,000
07-12

ATM Cash Withdrawal — Ujjain ×4

India trip — Ujjain (4 × ₹4K)

−₹16,000
07-16

ATM Cash Withdrawal — Ahmednagar

India trip — Ahmednagar + ATM fee

−₹10,027.14
07-19

RELIANCE TR Sangamner

India trip — Reliance retail, Sangamner

−₹2,258
07-19

ATM Cash Withdrawal — Ahmadnagar ×2

India trip — 2 withdrawals + ATM fees

−₹15,054.28
07-20

Mustafa Mama — Qardan Hasana

Qardan to Mustafa mama — repays ₹10K/mo back to mom

−₹2,00,000
07-24

SAKINA — Family Support

Wife — Quran teacher (Janab ₹3.5K/mo) + expenses

−₹10,000
10-30

SAKINA — Family Support

Wife — Quran teacher + expenses

−₹10,000
10-31

TASNEEM SH — Kaki Gift

Gift for kaki (aunt)

−₹5,300
11-04

TASNEEM SH — POA Advocate + Mazar

Advocate fee ₹10K (India property POA) + mazar donation ₹2.1K

−₹12,100
12-08

RDA Money Transfer (from USA)

~$5K remittance via Continental Exchange

+₹4,49,398 ($5,000)
12-11

RDA Foreign Inward (NEFT from USA)

~$10K remittance via Continental Exchange

+₹8,97,251 ($10,000)
01-26

SAKINA — Family Support

Wife — Quran teacher + expenses

−₹10,000
03-09

BILKIS KHU — Qardan Hasana (brother)

Qardan for brother — given via mom (Bilkis), 8-month repayment

−₹2,00,000
04-01

SAKINA — Family Support

Wife — Quran teacher + expenses

−₹10,000
05-02

TASNEEM SH — Advocate Fee

Advocate fee — India property

−₹10,000
05-12

SAKINA — Pune Builder Payment

Wife — final payment to Pune builder (property under construction)

−₹30,000
Current Balance −₹5,68,384 +₹17,74,247

Statement: 2025-05-28 → 2026-05-12 · Rate ~₹84/USD · Qardan Hasana repayments excluded from expenses (savings instrument)

🇮🇳 India NRO Account

ACTIVE
ICICI Bank · 147505075062

Account Type

Active NRI

India-sourced income account

Builder Delay Comp.

₹83,260

Pyramid Infra · ₹11.7–13K/mo

Gift to Mother

₹1,00,000

Rashida mama — India trip

Closed Balance Out

₹2,77,201

Transferred within ICICI

⚠ Tax Note — Builder Delay Compensation

Pyramid Infrastructure payments (₹11,700–13,000/mo) are builder delay compensation, not rental income. In India this is taxable as "income from other sources." US Schedule E reported ₹2,525 as rental income — verify with tax preparer that this was classified correctly and not double-counted.

Transaction History

Date Description Withdrawal Deposit
05-15

SAKINA — Family Support

Wife — support transfer

−₹10,000
05-19

Pyramid Infrastructure — Builder Delay

Pune flat delay compensation — monthly

+₹11,700
06-17

SAKINA — Family Support

Wife — support transfer

−₹10,000
06-19

Pyramid Infrastructure — Builder Delay

Pune flat delay compensation — monthly

+₹11,700
07-02

MakeMyTrip booking

India trip — flight/hotel booking

−₹5,772
07-02

MakeMyTrip booking

India trip — flight/hotel booking

−₹3,879
07-04

MakeMyTrip booking

India trip — flight/hotel booking

−₹8,670
07-17

Pyramid Infrastructure — Builder Delay

Pune flat delay compensation — monthly

+₹11,700
07-20

RASHIDA MU — Gift to Mother

Cash gift to mama (Rashida) during India trip — ₹2L via NRE + ₹1L here = ₹3L total

−₹1,00,000
08-18

Pyramid Infrastructure — Builder Delay

Pune flat delay compensation — monthly

+₹11,700
09-10

Pyramid Infrastructure — Builder Delay

Pune flat delay compensation — monthly

+₹11,700
10-16

Pyramid Infrastructure — Builder Delay

Pune flat delay comp — revised up from ₹11,700 (Oct 2025 onwards)

+₹13,000
11-14

India Income Tax Refund (AY 2025–26)

ITDTAX refund for AY 2025-26

+₹11,760
04-27

Local Account Closed — Balance Swept

Old local domestic ICICI account closed; ₹2,77,201 swept into NRO then transferred out. NRO account remains open.

−₹2,77,201 +₹2,77,201

Statement: 2025-05-15 → 2026-04-27 · New NRI account · Apr 2026 entry = old local domestic account closed, balance swept through here · NRO remains active

📁 Family Documents

💍 Family Records

🏠 Housing · 9006 N Roxbury Ter, OKC 73132

Renters Insurance

GEICO / Homesite · Policy #44033197

🛡️ Proof of Insurance ↓ PDF

Personal Property

$15,000

Liability

$300,000

Deductible

$1,000

Annual Premium

$153/yr

Apr 23 2026 – Apr 23 2027 · 9006 N Roxbury Ter, OKC 73132 · Loss of Use $4,500 · Med Payments $1,000

Travel History, I-94 & Insurance records · Click to download

All Transactions