The Protocol Collective
Welcome Gift · Mastery-Level Dashboard · $77

Wealth Mastery

A 13-module personal wealth dashboard with embedded JavaScript calculators. Net worth tracker, cash flow, asset allocation, budget worksheet, goal setter, emergency fund, debt payoff, retirement readiness. Single HTML file. Runs offline. Owned forever.

$77 USD · paid once · the welcome gift

À la carte value at catalogue rates: $397+. Yours for $77 because we'd rather have you in the operator community than maximise this transaction.

NOT FINANCIAL ADVICE. This dashboard is a personal-use planning template. It does not constitute financial, investment, tax, or legal advice. The calculators are general-purpose and use your own inputs — outputs are estimates only. Consult a licensed financial advisor, tax professional, or attorney before making decisions about your money. Use of this template is at your own risk.

01Net Worth Tracker

Net worth = assets minus liabilities. Run this once a quarter. The trajectory matters more than the number — a rising line at any starting point beats a falling line at any starting point.

Assets

AssetValue (USD)
Cash & checking
Savings & high-yield savings
Investment accounts (taxable)
Retirement accounts (401k / IRA / super)
Primary residence (current value)
Investment property
Vehicles (current resale)
Business equity / private holdings
Other assets
Total Assets$0

Liabilities

LiabilityBalance (USD)
Credit card balances
Personal loans
Auto loans
Mortgage (primary)
Mortgage (investment)
Student loans
Tax owing
Other liabilities
Total Liabilities$0
Total Assets
$0
Total Liabilities
$0
Net Worth
$0
Snapshot quarterly. Plot the four numbers each year. The trajectory tells you if your habits are working — independent of what's happening in markets you can't control.

02Cash Flow Calculator

Income minus expenses equals surplus or deficit. Track monthly. The surplus is what builds wealth; the deficit is what unwinds it. Most personal finance failures are not income failures — they're cash flow visibility failures.

Monthly Income

Monthly Expenses

Total monthly income
$0
Total monthly expenses
$0
Monthly surplus / (deficit)
$0
Annual surplus / (deficit)
$0
Savings rate
0%
A savings rate >20% means you're building wealth meaningfully. >30% changes timelines for early financial independence. <10% means tighten or earn more — running thin on savings rate compounds badly over decades.

03Asset Allocation Planner

Where is your money currently sitting, and where do you want it sitting? Drift between target and actual is normal — review quarterly, rebalance annually or when drift exceeds 5%.

Target allocation (must sum to 100%)

%
%
%
%
%

Actual current allocation (USD values)

Visual: actual allocation

Drift analysis (actual vs target)

Asset classTarget %Actual %DriftAction

04Budget Worksheet

Three budgeting frames. 50/30/20. Pay yourself first. Zero-based. Pick the one that fits how you actually behave with money — not the one that sounds disciplined in theory.

50/30/20 split

50% needs · 30% wants · 20% savings + debt repayment.

Needs (50%)
$0
Wants (30%)
$0
Savings/debt (20%)
$0

Pay yourself first

Move savings/investing on payday — before anything else hits. The simplest discipline that works at scale.

Auto-transfer day each month
Auto-transfer amount
To which account

Zero-based

Every dollar gets a job. Income minus all assignments = 0. Best for people whose budget keeps drifting because there's "no plan for the rest."

Top 3 categories that always overspend

05Goal Setter

Specific savings goals with timelines and monthly targets. The math removes the wishful thinking — what does this goal actually require, in dollars per month?

Goal calculator

Gap to close
$0
Required monthly contribution
$0
Total interest earned
$0

Goal-stacking principle

Most people miss savings goals because they have one savings account doing five jobs. Each goal gets its own account / bucket. When your eye sees "House Deposit: $5,000 / $50,000," the next contribution feels concrete. When it sees "Savings: $42,000," the next contribution feels optional.

3 goals I'm running right now

06Emergency Fund Calculator

3–6 months of essential expenses, in cash, in a separate account. Boring. The most underrated personal-finance asset because it lets every other decision be made calmly instead of in panic.

Target emergency fund
$0
Gap to fully funded
$0
Months until fully funded
0 months
% currently funded
0%
Three levels: $1,000 starter (covers most one-off shocks). 3-month basic cushion (covers job loss + recovery). 6-month full cushion (covers job loss + recovery + secondary shock). Hit each milestone in order before optimising the next thing.

07Debt Payoff Calculator

Snowball (smallest balance first — emotional momentum) vs Avalanche (highest interest first — math optimal). Both work. Pick the one you'll actually follow through on.

Single-debt payoff calculator

Months to payoff
0
Total interest paid
$0
Total paid (principal + interest)
$0
If "monthly payment" is less than the monthly interest accruing, you're going backwards. The first move with high-interest debt is making sure the minimum payment exceeds the monthly interest charge.

Snowball vs Avalanche

Snowball (psychology)

Order debts smallest balance to largest. Pay minimum on all, plus everything extra to the smallest. When it's gone, roll its payment into the next smallest. Wins compound emotional momentum.

Avalanche (math)

Order debts highest interest rate to lowest. Pay minimum on all, plus everything extra to the highest-interest one. When it's gone, roll its payment into the next-highest-interest one. Mathematically optimal.

08Investment Tracker

Where are your investment dollars actually allocated, across which accounts, with what return profiles? A simple snapshot — updated quarterly — beats a detailed model updated never.

AccountTypeBalanceAllocation strategy
Annual review questions

09Retirement / FI Calculator

"Financial Independence" target = 25× annual expenses (4% rule baseline). Adjust to 28× or 33× for conservative buffer. The number isn't a prediction — it's a useful shorthand for what wealth needs to be doing for you.

FI target nest egg
$0
Gap to FI
$0
Years to FI (at current rate)
0 years
Age at FI (if you're 35 now)
The FI math is simple. The FI behaviour is hard. Most people abandon their FI plan in the third year — not because the math stops working, but because life changes (kids, job, health) reset the inputs. The plan needs to flex; the discipline of saving doesn't.

10Annual Wealth Review

Once a year, between Christmas and New Year. 90 minutes. The honest mirror.

Net worth change YoY (Dec → Dec)
Savings rate this year
Best money decision this year
Worst money decision this year
Lifestyle creep — did expenses grow with income, or held flat?
Debt: paid down, paid up, or held flat?
Investment portfolio — did I rebalance? Was the allocation right for the year?
One thing I'm changing about money next year
One thing I'm keeping

11Wealth Principles

Seven personal money rules. Define them once. Read them quarterly. They're the guardrails when markets get noisy or life events crash through the plan.

Principle 01
Principle 02
Principle 03
Principle 04
Principle 05
Principle 06
Principle 07

12Tax-Advantage Concepts

General concepts only. Tax law varies wildly by country, state, and personal circumstance. None of this is tax advice.

NOT TAX ADVICE. Tax rules vary by jurisdiction and individual circumstance. This module describes general concepts. Consult a licensed tax professional / CPA / accountant before applying any of these to your situation.

Tax-advantaged retirement vehicles (concept)

Most countries offer at least one tax-advantaged retirement account: pre-tax contributions (deduction now, tax later) or post-tax contributions (no deduction, tax-free growth + withdrawal). The mechanics differ — 401(k) / IRA in US, RRSP / TFSA in Canada, Super in Australia, ISA in UK, etc.

Concept: filling tax-advantaged accounts before taxable accounts is generally efficient when liquidity isn't an immediate need.

Tax-loss harvesting (concept)

Selling investments at a loss to offset realised gains elsewhere — reducing the tax bill in that year. Specific rules around wash sales / repurchase windows vary by country.

Marginal vs effective rate (concept)

"Tax bracket" usually refers to marginal rate — the rate on your last dollar earned. Effective rate is your total tax / total income, almost always lower than marginal. Decisions based on marginal rate (e.g. RRSP contribution timing) work; decisions based on assuming all income is taxed at the marginal rate are usually wrong.

Charitable contribution structure (concept)

In most countries, charitable contributions can reduce taxable income — though limits, eligible orgs, and forms vary. Donor-advised funds, qualified charitable distributions from retirement accounts, and direct stock donations have different efficiency profiles.

13Estate Basics

The thing nobody wants to think about. The thing future-you (and future-your-family) thanks you for. Generic concepts only.

NOT LEGAL ADVICE. Estate law varies dramatically by jurisdiction. This is a checklist of concepts to discuss with a qualified estate-planning attorney / lawyer / financial planner.
Will (most basic estate document) — do I have one? When was it last reviewed?
Beneficiary designations on accounts (these often supersede the will) — when last reviewed?
Power of attorney (for financial decisions if I'm incapacitated) — exists?
Healthcare power of attorney / advance directive — exists?
Life insurance — do I have it? Right amount? Right beneficiary?
Trust structure — appropriate for my situation? (most people don't need one; some do)
Where are these documents stored? Who knows where?
Letter of intent — non-legal but valuable. Plain-language note to family about what you want, where things are, who to call. Drafted?
Annual review date (e.g. "every Jan 15, 60 minutes")
The hardest one is the letter of intent — the plain-language version of "if something happens to me, here's what's important and where everything is." It's not legally binding. It's the kindest gift you can leave the people who'd be sorting through your accounts in the worst week of their lives.

Print, save, share, fork

This file is yours. No login. No DRM. No expiry. Save anywhere. Print sections individually. Edit the HTML to customise. Use it for the rest of your financial life.

← Back to the catalogue