This is an online portal giving a summary of finances for Vipul Naik. The portal code and underlying data are in a private GitHub repository. I am keeping the repository private but making the portal public; the goal is to give the public access to summarized, simplified views of the data while maintaining the flexibility to keep the underlying data private. Reasons for keeping data private include financial privacy concerns as well as concerns about some data being inaccurate. In particular, data may be hidden for recent months or for the distant past.
The data included here is purely for exploratory purposes. The data does not have any formal meaning from a tax, accounting, or legal perspective. Please get in touch with Vipul Naik if you want to use the data for any purpose beyond exploring it in the web interface. Vipul Naik is not responsible for any troubles you run into because of your use of this website!
All columns are in United States dollars (USD) unless the column header gives a different denomination such as Indian rupee (INR), Bitcoin (BTC), or some other currency or cryptocurrency.
Income (US-only) measures the total reported income from US sources, including earned income, capital gains, interest income, contract work income, and other income. It does not include interest income earned in India. The "minus taxes" subtracts all US tax withheld during the calendar year, but does not include estimated tax payments. It also subtracts any adjustments made to the previous year's (or an earlier year's) taxes when filing a return. For instance, the value for 2018 is the 2018 US income minus taxes withheld in 2018, further adjusted based on the adjustment to 2017 taxes made in the 2017 tax return filed in 2018.
Liquid USD balance is the sum of the amounts in Citibank checking, Citibank savings, PayPal, Venmo, and Coinbase (USD balance only) (and also includes cash balances starting at the end of June 2014). Semiliquid USD balance includes liquid USD balance as well as certificates of deposit that have guaranteed payout dates and amounts.
USD balance includes both semiliquid USD balance and other payables to me denominated in United States dollars (USD). It does not include money in cryptocurrency, individual retirement accounts (IRAs), or Indian rupees (INR).
The balances listed under liquid USD balance are all balances that can be converted to bank account balance, dollar-for-dollar, in less than one week. The balances listed under USD balance are all balances that, within three years, can either be liquidated dollar-for-dollar, or will be used to pay expenses that are expected to accrue within the next three years.
| Balance date | Income (US-only) minus taxes | Accrued expenses in the year | USD balance | Liquid USD balance | Liquid balance percentage | USD balance gain | Liquid USD balance gain | US saving rate (percentage) | INR balance | Bitcoin balance (BTC) | Interpersonal loan gain | Adjustments | Unaccounted-for income |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2019-12-31 | 102,659.19 | 68,979.68 | 152,967.58 | 141,598.19 | 92.57 | 34,374.14 | 47,391.78 | 33.46 | 3,957,785.75 | 3.26 | 0.00 | 68.99 | -625.64 |
| 2018-12-31 | 96,989.24 | 73,626.57 | 118,593.44 | 94,206.41 | 79.44 | 22,771.12 | 7,893.31 | 23.46 | 3,684,581.94 | 3.40 | 0.00 | 55.98 | 647.53 |
| 2017-12-31 | 108,166.49 | 79,602.22 | 95,822.32 | 86,313.10 | 90.08 | 27,842.09 | 22,543.10 | 25.14 | N/A | 3.43 | 0.00 | 2,589.30 | 3,311.48 |
| 2016-12-31 | 59,106.25 | 52,159.40 | 67,980.23 | 63,770.00 | 93.81 | 7,525.78 | 15,246.49 | 12.73 | N/A | 11.36 | 0.00 | 0.00 | -578.93 |
| 2015-12-31 | 62,249.15 | 34,201.43 | 60,454.45 | 48,523.51 | 80.26 | 21,357.81 | 14,846.94 | 37.80 | N/A | 11.36 | 5,250.00 | -500.00 | 939.91 |
| 2014-12-31 | 38,160.00 | 26,006.46 | 39,096.64 | 33,676.57 | 86.14 | 8,890.53 | 4,610.53 | 24.32 | N/A | 8.99 | -1,400.00 | -3,000.00 | 1,663.01 |
| 2013-12-31 | 22,007.99 | 20,832.94 | 30,206.11 | 29,066.04 | 96.23 | 15,147.77 | 15,331.70 | 39.34 | N/A | 0.00 | -11,500.00 | 5,000.00 | 2,527.28 |
| 2012-12-31 | 29,874.74 | 19,438.60 | 15,058.34 | 13,734.34 | 91.21 | 2,006.84 | 2,000.84 | 7.40 | N/A | 0.00 | 2,750.00 | 0.00 | 5,679.30 |
| 2011-12-31 | 27,313.90 | 14,551.91 | 13,051.50 | 11,733.50 | 89.90 | -1,091.74 | -1,117.74 | -6.31 | N/A | 0.00 | 0.00 | -10,000.00 | 3,853.73 |
| 2010-12-31 | 28,564.49 | 27,686.24 | 14,143.24 | 12,851.24 | 90.86 | -2,765.98 | -2,137.98 | -9.68 | N/A | 0.00 | 0.00 | 0.00 | 3,644.23 |
| 2009-12-31 | 31,498.24 | 11,124.00 | 16,909.22 | 14,989.22 | 88.65 | 16,909.22 | 14,989.22 | 53.68 | N/A | 0.00 | 0.00 | 0.00 | 3,465.02 |
Time range coverage: For 2020, accrued expenses mostly cover only expenses accrued in the first half of 2020. However, some expenses, such as health insurance and some annual subscriptions, have been entered as accrued for the whole year.
The following expenses should be close to accurate for all years: contract work for Vipul Naik, rent, donations, electronics, transaction overhead for contract work payments, backups, landry, house cleaning, Internet, and furniture.
The following expenses should be accurate from 2010: health insurance, electricity.
The following expenses should be roughly accurate starting 2012: food, transportation, toiletries, phone plan.
| Expense category | Total across years | Total in year 2020 | Total in year 2019 | Total in year 2018 | Total in year 2017 | Total in year 2016 | Total in year 2015 | Total in year 2014 | Total in year 2013 | Total in year 2012 | Total in year 2011 | Total in year 2010 | Total in year 2009 | Total in year 2008 | Total in year 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Contract work for Vipul Naik | 150,881.90 | 10,333.25 | 24,820.42 | 36,774.32 | 46,840.02 | 23,843.75 | 8,270.14 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rent | 129,044.31 | 9,839.62 | 14,541.55 | 13,770.00 | 12,168.50 | 10,829.64 | 10,374.00 | 10,256.00 | 7,972.00 | 7,920.00 | 7,804.00 | 7,704.00 | 7,236.00 | 6,616.00 | 2,013.00 |
| Food | 40,014.48 | 2,848.57 | 6,315.58 | 5,820.05 | 4,725.16 | 4,357.08 | 4,260.49 | 3,743.31 | 4,210.01 | 3,734.23 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Health insurance | 35,997.92 | 5,373.84 | 4,913.40 | 4,232.52 | 3,575.16 | 2,907.00 | 2,712.00 | 2,484.00 | 2,845.00 | 2,563.00 | 2,302.00 | 2,090.00 | 0.00 | 0.00 | 0.00 |
| Donations | 32,488.91 | 0.00 | 7,306.41 | 3,000.00 | 15.00 | 0.00 | 0.00 | 0.00 | 0.00 | 500.00 | 520.00 | 16,510.00 | 3,888.00 | 587.00 | 162.50 |
| Transportation | 14,940.55 | 471.80 | 2,250.00 | 2,205.00 | 2,901.96 | 2,025.00 | 1,857.00 | 725.00 | 292.90 | 107.00 | 2,104.89 | 0.00 | 0.00 | 0.00 | 0.00 |
| Web hosting | 14,121.46 | 1,300.00 | 2,475.63 | 2,490.00 | 1,736.66 | 1,472.27 | 1,202.66 | 929.04 | 1,585.35 | 929.85 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Toiletries | 8,058.85 | 346.29 | 1,507.80 | 699.88 | 791.11 | 1,244.49 | 1,030.39 | 1,637.50 | 447.65 | 353.74 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Electronics | 6,684.53 | 5.00 | 1,537.98 | 1,414.42 | 74.29 | 0.00 | 0.00 | 932.87 | 1,130.26 | 47.31 | 153.70 | 258.99 | 0.00 | 0.00 | 1,129.71 |
| Work-related expense | 5,497.31 | 254.99 | 71.44 | 0.00 | 143.27 | 2,333.41 | 1,920.59 | 773.61 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Phone plan | 4,500.99 | 346.91 | 591.61 | 624.64 | 1,051.13 | 500.00 | 690.00 | 458.14 | 145.34 | 93.22 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| University fees | 4,261.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1,210.00 | 1,118.00 | 1,008.00 | 925.00 | 0.00 | 0.00 | 0.00 |
| Moving costs | 3,397.01 | 0.00 | 0.00 | 40.00 | 3,166.00 | 0.00 | 0.00 | 111.75 | 79.26 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Electricity | 2,493.81 | 274.12 | 350.32 | 283.16 | 284.98 | 143.41 | 210.35 | 176.89 | 175.47 | 199.63 | 197.23 | 198.25 | 0.00 | 0.00 | 0.00 |
| Software services | 2,238.25 | 54.00 | 91.00 | 414.00 | 393.99 | 393.99 | 93.99 | 397.28 | 200.00 | 200.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Internet | 1,769.02 | 125.28 | 237.66 | 146.37 | 195.99 | 369.55 | 347.46 | 346.71 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Entertainment | 1,766.68 | 289.98 | 198.88 | 167.90 | 126.07 | 102.21 | 209.46 | 388.73 | 152.64 | 57.49 | 73.32 | 0.00 | 0.00 | 0.00 | 0.00 |
| Activism | 1,469.83 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 500.00 | 969.83 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Self-education | 1,373.33 | 0.00 | 0.00 | 0.00 | 65.78 | 0.00 | 0.00 | 355.59 | 247.06 | 316.13 | 388.77 | 0.00 | 0.00 | 0.00 | 0.00 |
| Backups | 1,299.45 | 152.22 | 346.63 | 304.14 | 270.75 | 156.41 | 69.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Transaction overhead for contract work payments | 1,246.76 | 40.00 | 323.92 | 573.82 | 309.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Health care | 1,093.28 | 38.24 | 129.15 | 139.00 | 39.99 | 642.84 | 40.07 | 63.99 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Video production | 1,079.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1,079.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Audience research | 822.50 | 0.00 | 0.00 | 0.00 | 100.00 | 572.50 | 150.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Clothing | 804.99 | 0.00 | 17.47 | 42.04 | 339.40 | 200.14 | 162.35 | 43.59 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Laundry | 800.00 | 100.00 | 300.00 | 300.00 | 100.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| House cleaning | 778.50 | 192.50 | 396.00 | 160.00 | 30.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Furniture | 600.78 | 0.00 | 0.00 | 0.00 | 100.00 | 0.00 | 0.00 | 500.78 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Legal and administrative | 472.55 | 58.76 | 33.79 | 0.00 | 0.00 | 0.00 | 0.00 | 380.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Bank fees | 360.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 140.00 | 220.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stationery | 237.77 | 0.00 | 10.91 | 13.61 | 30.78 | 51.56 | 30.90 | 100.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Supplements | 172.26 | 120.84 | 51.42 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Shipping and postage | 170.67 | 61.13 | 14.06 | 11.70 | 27.21 | 14.15 | 20.28 | 22.14 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Miscellaneous write-offs | 150.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 150.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dating site | 59.70 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 59.70 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SIM card recovery | 54.38 | 0.00 | 54.38 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total discretionary self-expense | 116,187.89 | 6,785.64 | 17,002.54 | 15,275.91 | 16,551.25 | 12,245.60 | 10,924.70 | 12,492.85 | 10,015.94 | 8,455.60 | 3,925.91 | 1,382.24 | 0.00 | 0.00 | 1,129.71 |
| Total self-expense | 281,230.12 | 21,999.10 | 36,457.49 | 33,278.43 | 32,294.91 | 25,982.24 | 24,010.70 | 25,232.85 | 20,832.94 | 18,938.60 | 14,031.91 | 11,176.24 | 7,236.00 | 6,616.00 | 3,142.71 |
| Total | 471,345.00 | 32,627.34 | 68,979.68 | 73,626.57 | 79,602.22 | 52,159.40 | 34,201.43 | 26,006.46 | 20,832.94 | 19,438.60 | 14,551.91 | 27,686.24 | 11,124.00 | 7,203.00 | 3,305.21 |
All columns are in United States dollars (USD) unless the column header gives a different denomination such as Indian rupee (INR), Bitcoin (BTC), or some other currency or cryptocurrency.
Income (US-only) measures the total reported income from US sources, including earned income, capital gains, interest income, contract work income, and other income. It does not include interest income earned in India. The "minus taxes" subtracts all US tax withheld during the calendar year, but does not include estimated tax payments. It also subtracts any adjustments made to the previous year's (or an earlier year's) taxes when filing a return. For instance, the value for 2018 is the 2018 US income minus taxes withheld in 2018, further adjusted based on the adjustment to 2017 taxes made in the 2017 tax return filed in 2018.
Liquid USD balance is the sum of the amounts in Citibank checking, Citibank savings, PayPal, Venmo, and Coinbase (USD balance only) (and also includes cash balances starting at the end of June 2014). Semiliquid USD balance includes liquid USD balance as well as certificates of deposit that have guaranteed payout dates and amounts.
USD balance includes both semiliquid USD balance and other payables to me denominated in United States dollars (USD). It does not include money in cryptocurrency, individual retirement accounts (IRAs), or Indian rupees (INR).
The balances listed under liquid USD balance are all balances that can be converted to bank account balance, dollar-for-dollar, in less than one week. The balances listed under USD balance are all balances that, within three years, can either be liquidated dollar-for-dollar, or will be used to pay expenses that are expected to accrue within the next three years.
Citibank, PayPal, Venmo, Coinbase, contract work, health insurance, and rental balance values should be accurate (setting aside data entry errors).
IRS balances and California state tax balances are based on realization at the time of filing an original or amended tax return or receiving a tax notice, rather than at the time of income being earned; with that caveat, the balance should be accurate.
Company expenses balance may not be fully accurate as some company expenses and the corresponding reimbursement have not been entered here.
Data for HDFC balances in Indian rupees (INR) is in the process of being filled in. Currently, data has beeen entered for 2018 and 2019. Data for past years will be backfilled at my convenience. Data for 2020 and later years will be updated only after the end of the year.
| Balance date | USD balance | Semiliquid USD balance | Semiliquid balance percentage | Liquid USD balance | Liquid balance percentage | USD balance gain | Semiliquid USD balance gain | Liquid USD balance gain | INR balance | Bitcoin balance (BTC) | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2020-07-31 | 191,904.79 | 157,900.59 | 82.28 | 47,900.59 | 24.96 | 8,576.76 | 10,422.19 | -49,577.81 | N/A | 2.53 | The larger-than-usual USD balance increase is explained by the fact that I paid contract work money (an advance for about 2.5 months) using Bitcoin rather than using my USD balance. |
| 2020-06-30 | 183,328.03 | 147,478.40 | 80.45 | 97,478.40 | 53.17 | 7,148.04 | -22,650.40 | -22,650.40 | N/A | 3.03 | The larger-than-usual USD balance increase is explained by the fact that I paid contract work money using Bitcoin rather than using my USD balance. |
| 2020-05-31 | 176,179.99 | 170,128.80 | 96.57 | 120,128.80 | 68.19 | 5,355.96 | 12,436.33 | 12,436.33 | N/A | 3.20 | USD balance gain was slightly higher than usual this month, mainly because I sold some Bitcoin and Bitcoin Cash. |
| 2020-04-30 | 170,824.03 | 157,692.47 | 92.31 | 107,692.47 | 63.04 | 3,837.69 | 17,685.73 | 17,685.73 | N/A | 3.26 | Reasons for the somewhat-smaller-than-usual USD balance increase: I had two huge rent-related expenses this month. One was the full room rent for the month of an unoccupied room in the house, and the other was a payment to the landlady for damages. Together, these payments added up to $2249.82 or to $2636.22 depending on convention. |
| 2020-03-31 | 166,986.34 | 140,006.74 | 83.84 | 90,006.74 | 53.90 | 9,250.67 | 17,762.29 | -32,237.71 | N/A | 3.26 | The main reason for the larger-than-usual USD balance increase: my second February paycheck was deposited in March, so that inflates the apparent money received in March. A second reason is that I realized income ($1,537.23) from the liquidation of my 401(k) account. |
| 2020-02-29 | 157,735.67 | 122,244.45 | 77.50 | 122,244.45 | 77.50 | 1,411.31 | -3,250.37 | -3,250.37 | N/A | 3.26 | The main reason for the modesty of the increase in USD balance: my second February income payment was delayed to March. |
| 2020-01-31 | 156,324.36 | 125,494.82 | 80.28 | 125,494.82 | 80.28 | 3,356.78 | -16,103.37 | -16,103.37 | N/A | 3.26 | |
| 2019-12-31 | 152,967.58 | 141,598.19 | 92.57 | 141,598.19 | 92.57 | -2,463.31 | -1,695.44 | -1,695.44 | 3,957,785.75 | 3.26 | The drop in USD balance relative to the previous month is for three reasons: (1) I filed an amendment of my 2017 tax return, The amendment realizes my tax on the rental lease buyout, (2) I filed and pay additional California state tax as a result of this amendment, (3) I made a $3,000 donation. |
| 2019-11-30 | 155,430.89 | 143,293.63 | 92.19 | 143,293.63 | 92.19 | 5,104.72 | 9,117.42 | 9,117.42 | 3,946,120.71 | 3.26 | |
| 2019-10-31 | 150,326.17 | 134,176.21 | 89.26 | 134,176.21 | 89.26 | 2,701.31 | 13,733.44 | 13,733.44 | 3,926,942.02 | 3.26 | The smaller-than-normal increase in USD balance is due to the filing of my 2018 tax return, that made me realize income tax due. |
| 2019-09-30 | 147,624.86 | 120,442.77 | 81.59 | 120,442.77 | 81.59 | 4,149.28 | 10,748.74 | 10,748.74 | 3,822,592.00 | 3.26 | |
| 2019-08-31 | 143,475.58 | 109,694.03 | 76.45 | 109,694.03 | 76.45 | 5,596.94 | -25,767.19 | -25,767.19 | 3,810,735.69 | 3.26 | |
| 2019-07-31 | 137,878.64 | 135,461.22 | 98.25 | 135,461.22 | 98.25 | 2,176.96 | 11,689.68 | 11,689.68 | 3,792,770.63 | 3.27 | The smaller-than-normal increase in USD balance is partly due to higher-than-normal spending on contract work. |
| 2019-06-30 | 135,701.68 | 123,771.54 | 91.21 | 123,771.54 | 91.21 | 3,530.50 | 12,510.94 | 12,510.94 | 3,775,580.50 | 3.29 | |
| 2019-05-31 | 132,171.18 | 111,260.60 | 84.18 | 111,260.60 | 84.18 | 2,129.07 | -9,968.36 | -9,968.36 | 3,762,573.10 | 3.30 | |
| 2019-04-30 | 130,042.11 | 121,228.96 | 93.22 | 121,228.96 | 93.22 | 1,729.92 | 9,427.67 | 9,427.67 | 3,751,757.62 | 3.40 | The smaller-than-normal increase in USD balance is mainly due to a donation; although the donation itself was made on 2019-03-31, the transaction would finalize on 2019-04-04 and therefore the effect on balance would show up only in April 2019. |
| 2019-03-31 | 128,312.19 | 111,801.29 | 87.13 | 111,801.29 | 87.13 | 2,024.76 | -5,058.41 | -5,058.41 | 3,714,931.26 | 3.40 | |
| 2019-02-28 | 126,287.43 | 116,859.70 | 92.53 | 116,859.70 | 92.53 | 5,073.43 | 12,415.98 | 12,415.98 | 3,714,244.13 | 3.40 | |
| 2019-01-31 | 121,214.00 | 104,443.72 | 86.16 | 104,443.72 | 86.16 | 2,620.56 | 10,237.31 | 10,237.31 | 3,714,244.12 | 3.40 | |
| 2018-12-31 | 118,593.44 | 94,206.41 | 79.44 | 94,206.41 | 79.44 | 1,970.51 | -16,053.78 | -16,053.78 | 3,684,581.94 | 3.40 | The smaller-than-normal increase in USD balance is due to three charitable donations totaling to $3,000 USD. |
| 2018-11-30 | 116,622.93 | 110,260.19 | 94.54 | 110,260.19 | 94.54 | 8,274.67 | 8,701.14 | 8,701.14 | 3,665,641.30 | 3.40 | The bigger-than-normal increase in USD balance relative to the previous month is because I processed a correction notice from the IRS, and accepted the associated refund. This corrects an error in my tax calculation. |
| 2018-10-31 | 108,348.26 | 101,559.05 | 93.73 | 101,559.05 | 93.73 | -3,643.76 | 6,763.89 | 6,763.89 | 3,665,641.30 | 3.40 | The drop in USD balance relative to the previous month is due to the filing of my 2017 US federal income tax return, that made me realize taxes on some income. |
| 2018-09-30 | 111,992.02 | 94,795.16 | 84.64 | 94,795.16 | 84.64 | 1,968.99 | -4,999.84 | -4,999.84 | 3,635,979.09 | 3.40 | |
| 2018-08-31 | 110,023.03 | 99,795.00 | 90.70 | 99,795.00 | 90.70 | 2,374.37 | 8,143.08 | 8,143.08 | 3,617,455.39 | 3.40 | |
| 2018-07-31 | 107,648.66 | 91,651.92 | 85.14 | 91,651.92 | 85.14 | 2,503.42 | 2,394.63 | 2,394.63 | 3,535,305.39 | 3.40 | |
| 2018-06-30 | 105,145.24 | 89,257.29 | 84.89 | 89,257.29 | 84.89 | 3,469.50 | 6,430.39 | 6,430.39 | 3,506,416.51 | 3.40 | |
| 2018-05-31 | 101,675.74 | 82,826.90 | 81.46 | 82,826.90 | 81.46 | 1,982.64 | 2,319.85 | 2,319.85 | 3,487,865.09 | 3.40 | A salary increase in this month increases my saving rate from this point onward. |
| 2018-04-30 | 99,693.10 | 80,507.05 | 80.75 | 80,507.05 | 80.75 | -298.31 | -14,093.40 | -14,093.40 | 3,487,873.61 | 3.40 | The huge decline in my USD balance was due to me realizing and paying California state income taxes for 2017. |
| 2018-03-31 | 99,991.41 | 94,600.45 | 94.61 | 94,600.45 | 94.61 | -570.70 | 1,888.22 | 1,888.22 | 3,449,476.92 | 3.40 | |
| 2018-02-28 | 100,562.11 | 92,712.23 | 92.19 | 92,712.23 | 92.19 | 2,286.09 | 5,409.65 | 5,409.65 | 3,442,226.92 | 3.40 | |
| 2018-01-31 | 98,276.02 | 87,302.58 | 88.83 | 87,302.58 | 88.83 | 2,453.70 | 989.48 | 989.48 | 3,434,008.92 | 3.40 | |
| 2017-12-31 | 95,822.32 | 86,313.10 | 90.08 | 86,313.10 | 90.08 | 5,690.75 | 1,145.83 | 1,145.83 | N/A | 3.43 | The bigger-than-normal increase in my USD balance is because I sold some Bitcoin in this month. Bitcoin prices were at their peak during this month, so even though I didn't sell much Bitcoin, I made a lot of money. |
| 2017-11-30 | 90,131.57 | 85,167.27 | 94.49 | 85,167.27 | 94.49 | 2,153.38 | 7,334.64 | 7,334.64 | N/A | 3.75 | |
| 2017-10-31 | 87,978.19 | 77,832.63 | 88.47 | 77,832.63 | 88.47 | 1,868.00 | -13,216.16 | -13,216.16 | N/A | 4.00 | |
| 2017-09-30 | 86,110.19 | 91,048.79 | 105.74 | 91,048.79 | 105.74 | 798.68 | 3,792.20 | 3,792.20 | N/A | 4.13 | |
| 2017-08-31 | 85,311.51 | 87,256.59 | 102.28 | 87,256.59 | 102.28 | 4,102.87 | 18,431.79 | 18,431.79 | N/A | 4.13 | |
| 2017-07-31 | 81,208.64 | 68,824.80 | 84.75 | 68,824.80 | 84.75 | 8,158.38 | 1,800.81 | 1,800.81 | N/A | 4.96 | Most of the USD balance gain is due to my share (50%) of a $20,000 rental lease buyout. |
| 2017-06-30 | 73,050.26 | 67,023.99 | 91.75 | 67,023.99 | 91.75 | 4,309.72 | 2,594.77 | 2,594.77 | N/A | 4.96 | |
| 2017-05-31 | 68,740.54 | 64,429.22 | 93.73 | 64,429.22 | 93.73 | 9,927.86 | 11,145.33 | 11,145.33 | N/A | 5.60 | Most of the USD balance gain is because I sold a lot of Bitcoin; also, a salary increase in this month increases my saving rate from this point onward. |
| 2017-04-30 | 58,812.68 | 53,283.89 | 90.60 | 53,283.89 | 90.60 | 158.91 | -7,937.44 | -7,937.44 | N/A | 11.36 | |
| 2017-03-31 | 58,653.77 | 61,221.33 | 104.38 | 61,221.33 | 104.38 | -11,716.35 | 464.45 | 464.45 | N/A | 11.36 | The huge drop in USD balance is due to me undeferring some stipends due to Issa Rice for contract work. The impetus for undeferring them was that my company had got to the point of signing an intention letter for a Series A round, and I expected this to lead to an increase in my income and long-term job security. |
| 2017-02-28 | 70,370.12 | 60,756.88 | 86.34 | 60,756.88 | 86.34 | -506.64 | 3,376.75 | 3,376.75 | N/A | 11.36 | |
| 2017-01-31 | 70,876.76 | 57,380.13 | 80.96 | 57,380.13 | 80.96 | 2,896.53 | -6,389.87 | -6,389.87 | N/A | 11.36 | |
| 2016-12-31 | 67,980.23 | 63,770.00 | 93.81 | 63,770.00 | 93.81 | -2,955.96 | 2,643.71 | 2,643.71 | N/A | 11.36 | The bigger-than-normal decline in my USD balance is due to me realizing royalty payments to Alex K. Chen for 2016, as well as undeferring some stipend payments to Issa Rice. |
| 2016-11-30 | 70,936.19 | 61,126.29 | 86.17 | 61,126.29 | 86.17 | 1,922.08 | 1,626.96 | 1,626.96 | N/A | 11.36 | |
| 2016-10-31 | 69,014.11 | 59,499.33 | 86.21 | 59,499.33 | 86.21 | -1,667.17 | 813.95 | 813.95 | N/A | 11.36 | |
| 2016-09-30 | 70,681.28 | 58,685.38 | 83.03 | 58,685.38 | 83.03 | 2,411.58 | 3,518.36 | 3,518.36 | N/A | 11.36 | |
| 2016-08-31 | 68,269.70 | 55,167.02 | 80.81 | 55,167.02 | 80.81 | 751.14 | 778.24 | 778.24 | N/A | 11.36 | |
| 2016-07-31 | 67,518.56 | 54,388.78 | 80.55 | 54,388.78 | 80.55 | 93.22 | 766.90 | 766.90 | N/A | 11.36 | |
| 2016-06-30 | 67,425.34 | 53,621.88 | 79.53 | 53,621.88 | 79.53 | -74.36 | 3,256.26 | 3,256.26 | N/A | 11.36 | |
| 2016-05-31 | 67,499.70 | 50,365.62 | 74.62 | 50,365.62 | 74.62 | 451.97 | -3,378.50 | -3,378.50 | N/A | 11.36 | |
| 2016-04-30 | 67,047.73 | 53,744.12 | 80.16 | 53,744.12 | 80.16 | 1,126.17 | 3,631.07 | 3,631.07 | N/A | 11.36 | |
| 2016-03-31 | 65,921.56 | 50,113.05 | 76.02 | 50,113.05 | 76.02 | 2,145.13 | 1,854.86 | 1,854.86 | N/A | 11.36 | |
| 2016-02-29 | 63,776.43 | 48,258.19 | 75.67 | 48,258.19 | 75.67 | 1,978.99 | 3,516.42 | 3,516.42 | N/A | 11.36 | |
| 2016-01-31 | 61,797.44 | 44,741.77 | 72.40 | 44,741.77 | 72.40 | 1,342.99 | -3,781.74 | -3,781.74 | N/A | 11.36 | |
| 2015-12-31 | 60,454.45 | 48,523.51 | 80.26 | 48,523.51 | 80.26 | -2,725.56 | -4,607.09 | -4,607.09 | N/A | 11.36 | The huge decline in my USD balance is due to me realizing a royalty payment to Alex K. Chen for 2015. |
| 2015-11-30 | 63,180.01 | 53,130.60 | 84.09 | 53,130.60 | 84.09 | 2,514.02 | 1,761.55 | 1,761.55 | N/A | 11.36 | |
| 2015-10-31 | 60,665.99 | 51,369.05 | 84.68 | 51,369.05 | 84.68 | 2,185.17 | 3,350.86 | 3,350.86 | N/A | 11.36 | |
| 2015-09-30 | 58,480.82 | 48,018.19 | 82.11 | 48,018.19 | 82.11 | 2,453.38 | 1,860.49 | 1,860.49 | N/A | 11.36 | |
| 2015-08-31 | 56,027.44 | 46,157.70 | 82.38 | 46,157.70 | 82.38 | 2,377.68 | 1,734.30 | 1,734.30 | N/A | 11.36 | |
| 2015-07-31 | 53,649.76 | 44,423.40 | 82.80 | 44,423.40 | 82.80 | -2,887.34 | -3,301.13 | -3,301.13 | N/A | 11.36 | The bigger-than-normal decline in my USD balance is due to an interpersonal loan of $5,000 that I made. |
| 2015-06-30 | 56,537.10 | 47,724.53 | 84.41 | 47,724.53 | 84.41 | 2,457.96 | 1,796.56 | 1,796.56 | N/A | 11.36 | |
| 2015-05-31 | 54,079.14 | 45,927.97 | 84.93 | 45,927.97 | 84.93 | 2,952.02 | 2,608.13 | 2,608.13 | N/A | 11.36 | A slight salary reduction in this month (in exchange for more equity) decreases my saving rate from this point onward. |
| 2015-04-30 | 51,127.12 | 43,319.84 | 84.73 | 43,319.84 | 84.73 | 2,928.08 | 7,056.37 | 7,056.37 | N/A | 11.36 | |
| 2015-03-31 | 48,199.04 | 36,263.47 | 75.24 | 36,263.47 | 75.24 | 2,479.07 | 1,814.57 | 1,814.57 | N/A | 11.36 | |
| 2015-02-28 | 45,719.97 | 34,448.90 | 75.35 | 34,448.90 | 75.35 | 4,075.04 | 3,971.54 | 3,971.54 | N/A | 11.36 | |
| 2015-01-31 | 41,644.93 | 30,477.36 | 73.18 | 30,477.36 | 73.18 | 2,548.29 | -3,199.21 | -3,199.21 | N/A | 11.36 | The smaller-than-normal gain in USD balance is because of money I spent buying Bitcoin. |
| 2014-12-31 | 39,096.64 | 33,676.57 | 86.14 | 33,676.57 | 86.14 | -306.24 | 141.26 | 141.26 | N/A | 8.99 | The huge drop in USD balance is because of money I spent buying Bitcoin. |
| 2014-11-30 | 39,402.88 | 33,535.31 | 85.11 | 33,535.31 | 85.11 | 3,423.19 | 2,250.62 | 2,250.62 | N/A | 0.00 | |
| 2014-10-31 | 35,979.69 | 31,284.69 | 86.95 | 31,284.69 | 86.95 | 2,885.38 | 2,037.88 | 2,037.88 | N/A | 0.00 | |
| 2014-09-30 | 33,094.31 | 29,246.81 | 88.37 | 29,246.81 | 88.37 | 6,321.35 | 8,016.35 | 8,016.35 | N/A | 0.00 | The bulk of the gain here is due to a loan being returned (I had loaned somebody money for attending a camp, but the person ultimately decided not to go to the camp, so I got refunded the cost of the camp). Note that rental balance dropped to zero because my housemate made a PayPal payment to me for his share of the last few months of rent, but this does not cause the drop in the overall USD balance. |
| 2014-08-31 | 26,772.96 | 21,230.46 | 79.30 | 21,230.46 | 79.30 | 1,224.20 | 376.70 | 376.70 | N/A | 0.00 | I start a well-paying full-time job this month; starting this month, I have positive USD balance gains in most months. |
| 2014-07-31 | 25,548.76 | 20,853.76 | 81.62 | 20,853.76 | 81.62 | -2,563.00 | -1,715.50 | -1,715.50 | N/A | 0.00 | The huge drop in USD balance is due to a loan to somebody to attend a summer camp. The loan would be returned in September 2014. |
| 2014-06-30 | 28,111.76 | 22,569.26 | 80.28 | 22,569.26 | 80.28 | 1,011.57 | -140.93 | -140.93 | N/A | 0.00 | |
| 2014-05-31 | 27,100.19 | 22,710.19 | 83.80 | 22,710.19 | 83.80 | -832.32 | -1,679.82 | -1,679.82 | N/A | 0.00 | |
| 2014-04-30 | 27,932.51 | 24,390.01 | 87.32 | 24,390.01 | 87.32 | -991.23 | -2,838.73 | -2,838.73 | N/A | 0.00 | |
| 2014-03-31 | 28,923.74 | 27,228.74 | 94.14 | 27,228.74 | 94.14 | -914.26 | -66.76 | -66.76 | N/A | 0.00 | |
| 2014-02-28 | 29,838.00 | 27,295.50 | 91.48 | 27,295.50 | 91.48 | -485.10 | -3,027.60 | -3,027.60 | N/A | 0.00 | |
| 2014-01-31 | 30,323.10 | 30,323.10 | 100.00 | 30,323.10 | 100.00 | 116.99 | 1,257.06 | 1,257.06 | N/A | 0.00 | |
| 2013-12-31 | 30,206.11 | 29,066.04 | 96.23 | 29,066.04 | 96.23 | -891.97 | -1,363.04 | -1,363.04 | N/A | 0.00 | This is the month when I wrap up my Ph.D. at the University of Chicago. My income for the month would only come in the next month, and I would also incur moving-related expenses, causing a larger-than-usual drop in my USD balance. |
| 2013-11-30 | 31,098.08 | 30,429.08 | 97.85 | 30,429.08 | 97.85 | 15,074.78 | 15,743.78 | 15,743.78 | N/A | 0.00 | My USD balance increased by almost $15,000 as a result of three wire tranfers, one from my India account and two from my parents; this was in preparation of me ending my Ph.D. and possibly not having steady income for a few months as I do contract work. |
| 2013-10-31 | 16,023.30 | 14,685.30 | 91.65 | 14,685.30 | 91.65 | 2,376.83 | 1,707.83 | 1,707.83 | N/A | 0.00 | |
| 2013-09-30 | 13,646.47 | 12,977.47 | 95.10 | 12,977.47 | 95.10 | -2,494.45 | -1,825.45 | -1,825.45 | N/A | 0.00 | |
| 2013-08-31 | 16,140.92 | 14,802.92 | 91.71 | 14,802.92 | 91.71 | -1,323.70 | -1,999.70 | -1,999.70 | N/A | 0.00 | |
| 2013-07-31 | 17,464.62 | 16,802.62 | 96.21 | 16,802.62 | 96.21 | 384.63 | 384.63 | 384.63 | N/A | 0.00 | |
| 2013-06-30 | 17,079.99 | 16,417.99 | 96.12 | 16,417.99 | 96.12 | 1,123.36 | 1,785.36 | 1,785.36 | N/A | 0.00 | |
| 2013-05-31 | 15,956.63 | 14,632.63 | 91.70 | 14,632.63 | 91.70 | 944.37 | 1,606.37 | 1,606.37 | N/A | 0.00 | |
| 2013-04-30 | 15,012.26 | 13,026.26 | 86.77 | 13,026.26 | 86.77 | -1,845.89 | -3,169.89 | -3,169.89 | N/A | 0.00 | |
| 2013-03-31 | 16,858.15 | 16,196.15 | 96.07 | 16,196.15 | 96.07 | 1,526.60 | 2,188.60 | 2,188.60 | N/A | 0.00 | |
| 2013-02-28 | 15,331.55 | 14,007.55 | 91.36 | 14,007.55 | 91.36 | -68.43 | 593.57 | 593.57 | N/A | 0.00 | |
| 2013-01-31 | 15,399.98 | 13,413.98 | 87.10 | 13,413.98 | 87.10 | 341.64 | -320.36 | -320.36 | N/A | 0.00 | |
| 2012-12-31 | 15,058.34 | 13,734.34 | 91.21 | 13,734.34 | 91.21 | 1,239.22 | 577.22 | 577.22 | N/A | 0.00 | |
| 2012-11-30 | 13,819.12 | 13,157.12 | 95.21 | 13,157.12 | 95.21 | 902.07 | 240.07 | 240.07 | N/A | 0.00 | |
| 2012-10-31 | 12,917.05 | 12,917.05 | 100.00 | 12,917.05 | 100.00 | 989.54 | 1,651.54 | 1,651.54 | N/A | 0.00 | |
| 2012-09-30 | 11,927.51 | 11,265.51 | 94.45 | 11,265.51 | 94.45 | -2,849.17 | -2,187.17 | -2,187.17 | N/A | 0.00 | |
| 2012-08-31 | 14,776.68 | 13,452.68 | 91.04 | 13,452.68 | 91.04 | 511.87 | -153.13 | -153.13 | N/A | 0.00 | |
| 2012-07-31 | 14,264.81 | 13,605.81 | 95.38 | 13,605.81 | 95.38 | 485.53 | 1,144.53 | 1,144.53 | N/A | 0.00 | |
| 2012-06-30 | 13,779.28 | 12,461.28 | 90.43 | 12,461.28 | 90.43 | -1,495.92 | -2,154.92 | -2,154.92 | N/A | 0.00 | |
| 2012-05-31 | 15,275.20 | 14,616.20 | 95.69 | 14,616.20 | 95.69 | -1,787.61 | -1,128.61 | -1,128.61 | N/A | 0.00 | |
| 2012-04-30 | 17,062.81 | 15,744.81 | 92.28 | 15,744.81 | 92.28 | 5,180.57 | 4,521.57 | 4,521.57 | N/A | 0.00 | The huge increase in my USD balance this month, and corresponding bigger-than-normal declines in adjacent months, is because I was paid in a lump sum for the whole quarter (as I had the quarter off from teaching). |
| 2012-03-31 | 11,882.24 | 11,223.24 | 94.45 | 11,223.24 | 94.45 | -1,672.12 | -1,013.12 | -1,013.12 | N/A | 0.00 | |
| 2012-02-29 | 13,554.36 | 12,236.36 | 90.28 | 12,236.36 | 90.28 | 215.14 | -443.86 | -443.86 | N/A | 0.00 | |
| 2012-01-31 | 13,339.22 | 12,680.22 | 95.06 | 12,680.22 | 95.06 | 287.72 | 946.72 | 946.72 | N/A | 0.00 | |
| 2011-12-31 | 13,051.50 | 11,733.50 | 89.90 | 11,733.50 | 89.90 | 1,638.33 | 2,297.33 | 2,297.33 | N/A | 0.00 | |
| 2011-11-30 | 11,413.17 | 9,436.17 | 82.68 | 9,436.17 | 82.68 | 1,409.51 | 2,068.51 | 2,068.51 | N/A | 0.00 | |
| 2011-10-31 | 10,003.66 | 7,367.66 | 73.65 | 7,367.66 | 73.65 | 1,368.69 | 2,027.69 | 2,027.69 | N/A | 0.00 | |
| 2011-09-30 | 8,634.97 | 5,339.97 | 61.84 | 5,339.97 | 61.84 | -12,063.42 | -12,722.42 | -12,722.42 | N/A | 0.00 | The huge drop in USD balance is due to a $10,000 investment in a startup that I would later write off. |
| 2011-08-31 | 20,698.39 | 18,062.39 | 87.26 | 18,062.39 | 87.26 | 974.28 | 302.28 | 302.28 | N/A | 0.00 | |
| 2011-07-31 | 19,724.11 | 17,760.11 | 90.04 | 17,760.11 | 90.04 | 539.40 | 1,185.40 | 1,185.40 | N/A | 0.00 | |
| 2011-06-30 | 19,184.71 | 16,574.71 | 86.40 | 16,574.71 | 86.40 | 647.15 | 1,293.15 | 1,293.15 | N/A | 0.00 | |
| 2011-05-31 | 18,537.56 | 15,281.56 | 82.44 | 15,281.56 | 82.44 | 808.15 | -1,155.85 | -1,155.85 | N/A | 0.00 | |
| 2011-04-30 | 17,729.41 | 16,437.41 | 92.71 | 16,437.41 | 92.71 | 1,082.72 | 1,728.72 | 1,728.72 | N/A | 0.00 | |
| 2011-03-31 | 16,646.69 | 14,708.69 | 88.36 | 14,708.69 | 88.36 | 948.79 | 302.79 | 302.79 | N/A | 0.00 | |
| 2011-02-28 | 15,697.90 | 14,405.90 | 91.77 | 14,405.90 | 91.77 | 1,168.92 | 1,814.92 | 1,814.92 | N/A | 0.00 | |
| 2011-01-31 | 14,528.98 | 12,590.98 | 86.66 | 12,590.98 | 86.66 | 385.74 | -260.26 | -260.26 | N/A | 0.00 | |
| 2010-12-31 | 14,143.24 | 12,851.24 | 90.86 | 12,851.24 | 90.86 | -4,154.33 | -3,508.33 | -3,508.33 | N/A | 0.00 | The huge decline in my USD balance is due to a $5,100 donation I made. |
| 2010-11-30 | 18,297.57 | 16,359.57 | 89.41 | 16,359.57 | 89.41 | -94.69 | -740.69 | -740.69 | N/A | 0.00 | |
| 2010-10-31 | 18,392.26 | 17,100.26 | 92.98 | 17,100.26 | 92.98 | 1,499.79 | 2,145.79 | 2,145.79 | N/A | 0.00 | |
| 2010-09-30 | 16,892.47 | 14,954.47 | 88.53 | 14,954.47 | 88.53 | -8,846.19 | -8,200.19 | -8,200.19 | N/A | 0.00 | The huge decline in my USD balance is due to a $7,500 donation I made. |
| 2010-08-31 | 25,738.66 | 23,154.66 | 89.96 | 23,154.66 | 89.96 | -2,404.27 | -3,056.27 | -3,056.27 | N/A | 0.00 | |
| 2010-07-31 | 28,142.93 | 26,210.93 | 93.14 | 26,210.93 | 93.14 | 5,314.79 | 4,662.79 | 4,662.79 | N/A | 0.00 | |
| 2010-06-30 | 22,828.14 | 21,548.14 | 94.39 | 21,548.14 | 94.39 | 1,357.28 | 1,997.28 | 1,997.28 | N/A | 0.00 | |
| 2010-05-31 | 21,470.86 | 19,550.86 | 91.06 | 19,550.86 | 91.06 | -894.01 | -254.01 | -254.01 | N/A | 0.00 | |
| 2010-04-30 | 22,364.87 | 19,804.87 | 88.55 | 19,804.87 | 88.55 | 1,937.18 | 2,577.18 | 2,577.18 | N/A | 0.00 | |
| 2010-03-31 | 20,427.69 | 17,227.69 | 84.33 | 17,227.69 | 84.33 | 822.65 | -457.35 | -457.35 | N/A | 0.00 | |
| 2010-02-28 | 19,605.04 | 17,685.04 | 90.21 | 17,685.04 | 90.21 | 906.06 | 266.06 | 266.06 | N/A | 0.00 | |
| 2010-01-31 | 18,698.98 | 17,418.98 | 93.15 | 17,418.98 | 93.15 | 1,789.76 | 2,429.76 | 2,429.76 | N/A | 0.00 | |
| 2009-12-31 | 16,909.22 | 14,989.22 | 88.65 | 14,989.22 | 88.65 | 16,909.22 | 14,989.22 | 14,989.22 | N/A | 0.00 | Oldest month-end covered in a bank statement I can retrieve. |