Track your 2025 savings goals and progress!

[McStache]

May Update:
Bucket
401k          $  8,509 / $ 23,500
401k Match    $  8,509 / $ 20,100
HSA           $  1,729 / $  4,300
Mrtg. Prin.   $  2,262 / $  5,500
Taxable       $ 30,965 / $ 66,600
---------------------------------
Total         $ 51,974 / $120,000

Savings rate: 71.3%


This and next month are heavy on annual/quarterly expenses. I'm still tracking slightly ahead on the year so hopefully won't fall behind even with these, but it'll be tight

[alcon835]

The percentage goal for me to be on track for May is 41.67%.

Bucket	Goal	Current
401K	$23,500.00	$4,520.00
Match	$3,300.00	$75.00
HSA	$4,300.00	$4,008.32
Brokerage	$26,300.00	$0.00
Dividends	$2,500.00	$864.96
Emergency Fund Rebuild	$31,000.00	$1,004.93
Donations	$26,300.00	$5,785.69
Rebuild	$37,684.78	$33,684.94
Total	$154,884.78	$50,233.02
Percentage	100%	32.43%  (-9.24% of goal)

Update:
Chugging along.

[TyGuy]

             |     401K   |      Roth IRA    |     Taxable     |    Savings   |  Extra Principle  |     Total     |   

Goal       | $  23,500 |       $  7,000   |     $  26,000  |    $ 4,000   | $      4,500       | $  65,000  |    %    0.0    |

JAN        | $   2,000  |       $  4,650   |     $      0      |    $   435    | $         0           | $   7,085   |    %   10.9   |

FEB        | $   2,000  |       $  2,350   |     $      0      |    $   390    | $         0           | $   4,740   |    %    7.3    |

MAR       | $   2,000  |       $     0       |     $  1,000   |    $   394    | $         0           | $   3,394   |    %    5.2    |

APR        | $   2,000  |       $     0       |     $ 11,000  |    $   399    | $       500         | $   13,899  |    %   21.3   |

MAY        | $   2,000 |       $     0       |     $   7,500  |    $   406    | $       500         | $   10,406  |    %   16.0   |

JUN        | $      0     |       $     0       |     $      0      |    $    0       | $         0          | $       0      |    %    0.0    |



YTD       | $ 10,000  |      $  7,000   |     $ 19,500  |  $ 2,024   | $      1,000       | $ 39,524 |    %  60.8   |


Another great month! My savings rate will likely slow through the end of the year.

[Turtle]

Bucket	401k	Employer Match	HSA Regular	HSA Catch Up	ESPP
Goal	$6,000	$6,000	$8,550	$1,000	$10,000
January	$1,149	$888	$2,179	$83	$1,277
February	$1,575	$1,314	$2,808	$167	$2,072
March	$2,796	$2,535	$3,437	$250	$4,513
April	$3,234	$2,973	$4,067	$333	$5,390
May	$3,723	$3,462	$4,696	$417	$6,349

    


Some of the ESPP which had been purchased in previous years was sold to pay for my Europe trip this spring, however.

[oneday]

Bucket         Goal | Actual
401(k)     $ 23,500 | $ 16,381.20
Match      $  3,000 | $   3,000.00
Roth       $  7,000 | $  6,125.00
Taxable    $ 21,500 | $      0.00
-----------------------------------------
Total      $ 55,000 | $ 28,131.20
Progress            |       51.1%


New stat: YOY change: 5.5%

[MaybeBabyMustache]

I'm currently "funemployed", but would like to go back to work at least part time. I'll guess conservatively on our goals as a result.

-Max 401Ks - $54,500 (one spouse eligible for catch up contributions) (assumes I get a job)
-Pay for college for two kids out of 529s
-Save another $20k if I don't get another job, and $100k if I do.

Okay, just got another job, and we received DH's severance this week, so things are good.
-DH maxed his 401k already, and I'm getting a large sign on bonus that will easily allow me to max mine
-We've saved enough for both kids in college, and are now planning to help my nephew out a bit (we are thinking $5k/year)
-We should be able to save another $100k by EOY with the new job.

I still need to go through & figure out:
-New overall budget, with my job
-Investment options
-How much we have to work with each month, after deductions, etc.

[Turtle]

Already received last paycheck of the month.

Half year check in for what I expect to be my last full year working.

Bucket	401k	Employer Match	HSA Regular	HSA Catch Up	ESPP
Goal	$6,000	$6,000	$8,550	$1,000	$10,000
January	$1,149	$888	$2,179	$83	$1,277
February	$1,575	$1,314	$2,808	$167	$2,072
March	$2,796	$2,535	$3,437	$250	$4,513
April	$3,234	$2,973	$4,067	$333	$5,390
May	$3,723	$3,462	$4,696	$417	$6,349
June	$4,162	$3,901	$5,325	$500	$7,226

   

[jsap819]

A bit different with our savings goal this year as we have surpassed our FI number and are marching towards Fat FI. With any luck we may hit it end of 2025 with average returns or next year just with our contributions and zero return.

Will continue to max out our retirement space (401k, IRA, Roth IRA) but will focus about half of our after tax savings on some debt pay down. Bought an EV that has a high interest car loan ($19k @ 5.89% 3.5 years left) that needs to be paid off asap as well as a 0% credit card bill (heat pump installation) that needs to be paid in full by April (~$5k). We recently paid cash for solar/battery storage installation and a new roof end of 2024 so we need to replenish our cash since we are severely depleted at the moment.

Goal is $60k contribution to our investments and raise our cash position back up to $50k (1x expenses). See you at the halfway mark!

Well, there goes our plan. At the halfway mark, we've invested nearly $60k ($58k to be exact) already and have raised our cash position to $35k. IRA and Roth IRA is already maxed out. We had a windfall in the form of a higher-than-expected-bonus in March that supercharged our savings and paid off our heat pump. Debating now whether to pay the remaining balance of ~$17.5k car loan since we've already paid the bulk of the interest heading into year 3. If we pay it off now, we are only saving about $1.5k in interest for the next 3 years. We are expecting another windfall by the end of the year so may use that and the remaining quarterly dividends to pay it off by end of the year.

See you guys in December!

[MaybeBabyMustache]

I'm currently "funemployed", but would like to go back to work at least part time. I'll guess conservatively on our goals as a result.

-Max 401Ks - $54,500 (one spouse eligible for catch up contributions) (assumes I get a job)
-Pay for college for two kids out of 529s
-Save another $20k if I don't get another job, and $100k if I do.

Okay, just got another job, and we received DH's severance this week, so things are good.
-DH maxed his 401k already, and I'm getting a large sign on bonus that will easily allow me to max mine
-We've saved enough for both kids in college, and are now planning to help my nephew out a bit (we are thinking $5k/year)
-We should be able to save another $100k by EOY with the new job.

I still need to go through & figure out:
-New overall budget, with my job
-Investment options
-How much we have to work with each month, after deductions, etc.

As far as goals:
-We've managed to save about $100k, despite not having anyone working for a few months. (Helped by vacation payout + severance, even though we were paying close to $3k/month for health care).
-Should be able to max 401k with sign on bonus.
-Would like to also send $5k to nephew for his college + cash flow/529 our kids college tuition/expenses this year
-Max our HSA, as we drew it down a bit while unemployed
-Max our 529 match (don't have benefits to explore until Monday, but I believe it's $1k/kid), so will do the match
-Plan to also save $5k/month for investments.

[oneday]

July numbers since, like @Turtle , last paycheck of the month has been deposited.


Bucket         Goal | Actual
401(k)     $ 23,500 | $ 19,172.52
Match      $  3,000 | $  3,000.00
Roth       $  7,000 | $  7,000.00
Taxable    $ 21,500 | $  3,500.00
-----------------------------------------
Total      $ 55,000 | $ 32,672.52
Progress            |       59.4%


New stat: YOY change: 4.9%

[McStache]

June Update:
Bucket
401k          $ 10,185 / $ 23,500
401k Match    $ 10,185 / $ 20,100
HSA           $  2,075 / $  4,300
Mrtg. Prin.   $  2,721 / $  5,500
Taxable       $ 35,037 / $ 66,600
---------------------------------
Total         $ 60,204 / $120,000

Savings rate: 69.2%


As predicted, I am now flying much closer to the sun with being on track for the year. I have another big annual expense this month, which may put me slightly behind track, but hopefully I'll be able to make up for it once all these expenses are past

[YarnBudget]

Hi all, following this thread is super inspiring and I figured halfway through the year might be a good time to jump on in!

And @Turtle your table format is so lovely that I wanted to steal it--hope you don't mind!

Bucket	Pension	457b	Roth IRA	Brokerage	E-Fund	Totals
Goal	$6,000	$18,000	$7,000	$7,000	$1,000	$39,000
January	$567	$1,250	$674	$1,125	$150	$3,766
February	$454	$1,000	$538	$900	$0	$2,892
March	$457	$1,000	$538	$900	$0	$2,895
April	$471	$1,000	$538	$900	$0	$2,909
May	$590	$1,250	$674	$1,125	$150	$3,789
June	$471	$1,000	$538	$725	$0	$2,734
July	$0	$0	$0	$0	$0	$0
August	$0	$0	$0	$0	$0	$0
September	$0	$0	$0	$0	$0	$0
October	$0	$0	$0	$0	$0	$0
November	$0	$0	$0	$0	$0	$0
December	$0	$0	$0	$0	$0	$0
Totals	$3,010	$6,500	$3,500	$5,675	$300	$18,985 (48.7%)

Just about on track for being halfway through the year. I recently made the decision to dial way back on the brokerage investments (house down payment fund--not happening any time soon) in favor of bumping up my 457b contributions. I'm excited to watch that balance grow!

[Turtle]

I don’t mind at all @YarnBudget and I love your username.  Having a hobby budget is a great thing. 

My format has been refined a bit over the years but was originally based on combining a couple formats I snagged from other folks, so totally happy to pass it on.

[TyGuy]

             |     401K   |      Roth IRA    |     Taxable     |    Savings   |  Extra Principle  |     Total     |   

Goal       | $  23,500 |       $  7,000   |     $  26,000  |    $ 4,000   | $      4,500       | $  65,000  |    %    0.0    |

JAN        | $   2,000  |       $  4,650   |     $      0      |    $   435    | $         0           | $   7,085   |    %   10.9   |

FEB        | $   2,000  |       $  2,350   |     $      0      |    $   390    | $         0           | $   4,740   |    %    7.3    |

MAR       | $   2,000  |       $     0       |     $  1,000   |    $   394    | $         0           | $   3,394   |    %    5.2    |

APR        | $   2,000  |       $     0       |     $ 11,000  |    $   399    | $       500         | $   13,899  |    %   21.3   |

MAY        | $   2,000 |       $     0       |     $   7,500  |    $   406    | $       500         | $   10,406  |    %   16.0   |

JUN        | $   2,000 |       $     0       |     $   2,600  |    $   402    | $        500         | $    5,502   |    %    8.5   |

JUL        | $      0     |       $     0       |     $      0      |    $    0       | $         0          | $       0      |    %    0.0    |



YTD       | $ 12,000  |      $  7,000   |     $ 22,100  |  $ 2,426   | $      1,500       | $ 45,026 |    %  69.3   |


It has been a great year thus far, I'm hoping to keep the momentum going! Nice to see everyone else making steady progress on their own goals, keep it up!