Finances for Vipul Naik

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!

Table of contents

Balances by year

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 yeear'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).

USD balance includes both liquid 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 dateIncome (US-only) minus taxesAccrued expenses in the yearUSD balanceLiquid USD balanceLiquid balance percentageUSD balance gainLiquid USD balance gainUS saving rate (percentage)INR balanceBitcoin balance (BTC)Interpersonal loan gainAdjustmentsUnaccounted-for income
2019-12-31102,659.1968,979.68152,967.58141,598.1992.5734,374.1447,391.7833.463,957,785.753.260.0068.99-625.64
2018-12-3196,989.2473,626.57118,593.4494,206.4179.4418,596.127,893.3119.163,684,581.943.400.0055.984,822.53
2017-12-31108,184.0978,762.7299,997.3286,313.1086.3232,017.0922,543.1028.90N/A3.430.002,589.30-6.42
2016-12-3159,106.2551,891.8567,980.2363,770.0093.817,525.7815,246.4912.73N/A11.360.000.00-311.38
2015-12-3162,255.1534,161.4560,454.4548,523.5180.2621,357.8114,846.9437.80N/A11.365,250.00-500.00985.89
2014-12-3138,160.0025,987.8739,096.6433,676.5786.148,976.534,610.5324.55N/A8.99-1,400.00-3,000.001,595.60
2013-12-3122,007.9920,832.9430,120.1129,066.0496.5015,061.7715,331.7039.11N/A0.00-11,500.005,000.002,613.28
2012-12-3129,874.7419,438.6015,058.3413,734.3491.212,006.842,000.847.40N/A0.002,750.000.005,679.30
2011-12-3127,313.9014,551.9113,051.5011,733.5089.90-1,091.74-1,117.74-6.31N/A0.000.00-10,000.003,853.73
2010-12-3128,564.4927,686.2414,143.2412,851.2490.86-2,765.98-2,137.98-9.68N/A0.000.000.003,644.23
2009-12-3131,498.2411,124.0016,909.2214,989.2288.6516,909.2214,989.2253.68N/A0.000.000.003,465.02

Accrued expense categories by year

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 categoryTotal across yearsTotal in year 2020Total in year 2019Total in year 2018Total in year 2017Total in year 2016Total in year 2015Total in year 2014Total in year 2013Total in year 2012Total in year 2011Total in year 2010Total in year 2009Total in year 2008Total in year 2007
Contract work for Vipul Naik150,881.9010,333.2524,820.4236,774.3246,840.0223,843.758,270.140.000.000.000.000.000.000.000.00
Rent129,044.319,839.6214,541.5513,770.0012,168.5010,829.6410,374.0010,256.007,972.007,920.007,804.007,704.007,236.006,616.002,013.00
Food39,213.712,848.576,315.585,820.053,964.374,357.084,220.513,743.314,210.013,734.230.000.000.000.000.00
Health insurance35,997.925,373.844,913.404,232.523,575.162,907.002,712.002,484.002,845.002,563.002,302.002,090.000.000.000.00
Donations32,473.910.007,306.413,000.000.000.000.000.000.00500.00520.0016,510.003,888.00587.00162.50
Transportation14,940.55471.802,250.002,205.002,901.962,025.001,857.00725.00292.90107.002,104.890.000.000.000.00
Web hosting14,121.461,300.002,475.632,490.001,736.661,472.271,202.66929.041,585.35929.850.000.000.000.000.00
Toiletries8,019.55346.291,507.80699.88761.651,234.651,030.391,637.50447.65353.740.000.000.000.000.00
Electronics6,684.535.001,537.981,414.4274.290.000.00932.871,130.2647.31153.70258.990.000.001,129.71
Work-related expense5,497.31254.9971.440.00143.272,333.411,920.59773.610.000.000.000.000.000.000.00
Phone plan4,484.56330.48591.61624.641,051.13500.00690.00458.14145.3493.220.000.000.000.000.00
University fees4,261.000.000.000.000.000.000.000.001,210.001,118.001,008.00925.000.000.000.00
Moving costs3,397.010.000.0040.003,166.000.000.00111.7579.260.000.000.000.000.000.00
Electricity2,493.81274.12350.32283.16284.98143.41210.35176.89175.47199.63197.23198.250.000.000.00
Software services2,238.2554.0091.00414.00393.99393.9993.99397.28200.00200.000.000.000.000.000.00
Internet1,769.02125.28237.66146.37195.99369.55347.46346.710.000.000.000.000.000.000.00
Entertainment1,766.68289.98198.88167.90126.07102.21209.46388.73152.6457.4973.320.000.000.000.00
Activism1,469.830.000.000.000.000.00500.00969.830.000.000.000.000.000.000.00
Self-education1,373.330.000.000.0065.780.000.00355.59247.06316.13388.770.000.000.000.00
Backups1,299.45152.22346.63304.14270.75156.4169.300.000.000.000.000.000.000.000.00
Transaction overhead for contract work payments1,246.7640.00323.92573.82309.020.000.000.000.000.000.000.000.000.000.00
Health care1,093.2838.24129.15139.0039.99642.8440.0763.990.000.000.000.000.000.000.00
Video production1,079.000.000.000.000.000.000.000.000.001,079.000.000.000.000.000.00
Laundry800.00100.00300.00300.00100.000.000.000.000.000.000.000.000.000.000.00
House cleaning778.50192.50396.00160.0030.000.000.000.000.000.000.000.000.000.000.00
Clothing719.440.0017.4742.04305.15167.43162.3525.000.000.000.000.000.000.000.00
Furniture600.780.000.000.00100.000.000.00500.780.000.000.000.000.000.000.00
Audience research597.500.000.000.00100.00347.50150.000.000.000.000.000.000.000.000.00
Legal and administrative472.5558.7633.790.000.000.000.00380.000.000.000.000.000.000.000.00
Bank fees360.000.000.000.000.000.000.000.00140.00220.000.000.000.000.000.00
Stationery237.770.0010.9113.6130.7851.5630.90100.010.000.000.000.000.000.000.00
Supplements172.26120.8451.420.000.000.000.000.000.000.000.000.000.000.000.00
Shipping and postage170.6761.1314.0611.7027.2114.1520.2822.140.000.000.000.000.000.000.00
Miscellaneous write-offs150.000.000.000.000.000.000.00150.000.000.000.000.000.000.000.00
Dating site59.700.000.000.000.000.000.0059.700.000.000.000.000.000.000.00
SIM card recovery54.380.0054.380.000.000.000.000.000.000.000.000.000.000.000.00
Total discretionary self-expense115,020.846,769.2117,002.5415,275.9115,726.7511,978.0510,884.7212,474.2610,015.948,455.603,925.911,382.240.000.001,129.71
Total self-expense280,063.0721,982.6736,457.4933,278.4331,470.4125,714.6923,970.7225,214.2620,832.9418,938.6014,031.9111,176.247,236.006,616.003,142.71
Total470,162.9532,610.9168,979.6873,626.5778,762.7251,891.8534,161.4525,987.8720,832.9419,438.6014,551.9127,686.2411,124.007,203.003,305.21

Balances by month

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 yeear'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).

USD balance includes both liquid 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 dateUSD balanceLiquid USD balanceLiquid balance percentageUSD balance gainLiquid USD balance gainINR balanceBitcoin balance (BTC)Citibank checking balanceCitibank savings balanceCitibank CDs balancePayPal balanceVenmo balanceCoinbase USD balanceCash USD balanceIRS balanceCalifornia state tax balanceRental balanceSecurity deposit and rental insurance balanceContractwork balanceHealth insurance balanceCompany expenses balanceLinode balanceHDFC savings balance (INR)HDFC FD balance (INR)Notes
2020-06-30183,064.3197,478.4053.256,958.57-22,650.40N/A3.0316,482.2371,697.5450,000.006,687.221,096.410.001,515.000.002,302.0028,200.001,501.6187.602,686.920.00807.78N/AN/AThe larger-than-usual USD balance increase is explained by the fact that I paid contract work money usng Bitcoin rather than using my USD balance.
2020-05-31176,105.74120,128.8068.215,373.5212,436.33N/A3.2054,484.1157,886.2550,000.006,362.1432.300.001,364.000.002,302.00-1,138.041,519.27-348.813,134.740.00507.78N/AN/AUSD balance gain was slightly higher than usual this month, mainly because I sold some Bitcoin and Bitcoin Cash.
2020-04-30170,732.22107,692.4763.083,745.8817,685.73N/A3.2614,835.0977,885.5950,000.0012,861.97259.80295.021,555.000.002,302.003,776.281,536.94949.243,582.56184.95707.78N/AN/AReasons 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.
2020-03-31166,986.3490,006.7453.909,250.67-32,237.71N/A3.2615,559.1459,462.0150,000.0013,143.17257.40295.021,290.004,458.092,302.0010,800.001,367.502,980.684,030.38133.17907.78N/AN/AThe 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.
2020-02-29157,735.67122,244.4577.501,411.31-3,250.37N/A3.2617,368.2888,924.150.0014,457.96259.80295.02939.244,458.092,302.0016,600.001,367.505,492.704,478.20184.95607.78N/AN/AThe main reason for the modesty of the increase in USD balance: my second February income payment was delayed to March.
2020-01-31156,324.36125,494.8280.283,356.78-16,103.37N/A3.2631,257.3178,923.590.0012,407.781,138.42295.021,472.702,401.40721.0019,915.001,367.50690.844,926.020.00807.78N/AN/A
2019-12-31152,967.58141,598.1992.57-2,463.31-1,695.443,957,785.753.2680,243.9743,923.220.0015,313.850.92295.021,821.212,401.40721.00-800.001,367.501,297.875,373.840.001,007.7857,785.753,900,000.00The 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.
2019-11-30155,430.89143,293.6392.195,104.729,117.423,946,120.713.2626,098.35103,922.460.0011,047.52165.92295.021,764.365,401.80721.005,000.001,367.50-1,470.27409.450.00707.7846,120.713,900,000.00
2019-10-31150,326.17134,176.2189.262,701.3113,733.443,926,942.023.2627,507.9586,921.680.0017,538.91305.12295.021,607.535,401.80721.006,947.501,367.50485.48818.900.00407.7826,942.023,900,000.00The smaller-than-normal increase in USD balance is due to the filing of my 2018 tax return, that made me realize income tax due.
2019-09-30147,624.86120,442.7781.594,149.2810,748.743,822,592.003.2622,698.2776,921.050.0018,434.29243.43295.021,850.716,451.92721.0015,482.500.002,690.541,228.350.00607.7822,592.003,800,000.00
2019-08-31143,475.58109,694.0376.455,596.94-25,767.193,810,735.693.2615,030.2576,920.400.0015,211.04243.43295.021,993.896,451.92721.0019,915.000.004,329.051,556.800.00807.7810,735.693,800,000.00
2019-07-31137,878.64135,461.2298.252,176.9611,689.683,792,770.633.2740,038.2176,919.750.0013,913.741,957.43295.022,337.076,451.92721.00-2,147.500.00-5,163.032,047.250.00507.7892,770.633,700,000.00The smaller-than-normal increase in USD balance is partly due to higher-than-normal spending on contract work.
2019-06-30135,701.68123,771.5491.213,530.5012,510.943,775,580.503.2938,793.8466,919.220.0013,725.781,957.43295.022,080.256,451.92721.003,188.750.00-1,596.012,456.700.00707.7875,580.503,700,000.00
2019-05-31132,171.18111,260.6084.182,129.07-9,968.363,762,573.103.3021,091.8866,918.630.0019,190.921,835.740.002,223.436,451.92721.009,682.500.00781.232,866.150.00407.7862,573.103,700,000.00
2019-04-30130,042.11121,228.9693.221,729.929,427.673,751,757.623.4033,849.7666,918.090.0014,908.242,487.74498.522,566.616,451.92721.00-800.000.00-1,443.153,275.600.00607.78751,757.623,000,000.00The 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.
2019-03-31128,312.19111,801.2987.132,024.76-5,058.413,714,931.263.4023,232.8855,417.650.0027,032.233,708.740.002,409.796,451.920.005,230.000.00840.523,685.050.00303.4114,931.263,700,000.00
2019-02-28126,287.43116,859.7092.535,073.4312,415.983,714,244.133.4031,280.9455,417.220.0025,144.732,263.840.002,752.976,451.920.00-800.000.00-822.104,094.500.00503.4114,244.133,700,000.00
2019-01-31121,214.00104,443.7286.162,620.5610,237.313,714,244.123.4028,792.6348,416.800.0021,831.802,806.340.002,596.156,451.920.005,020.000.0091.004,503.950.00703.41714,244.123,000,000.00
2018-12-31118,593.4494,206.4179.441,970.51-16,053.783,684,581.943.4028,394.6138,416.480.0020,800.153,655.840.002,939.336,451.920.0010,322.500.001,795.804,913.400.00903.41534,581.943,150,000.00The smaller-than-normal increase in USD balance is due to three charitable donations totaling to $3,000 USD.
2018-11-30116,622.93110,260.1994.548,274.678,701.143,665,641.303.4046,551.3138,916.150.0017,203.164,904.660.002,684.916,451.920.00567.500.00-7,026.205,266.110.001,103.41165,641.303,500,000.00The 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.
2018-10-31108,348.26101,559.0593.73-3,643.766,763.893,665,641.303.4039,052.8438,915.820.0016,886.983,771.010.002,932.406,451.920.005,000.000.00-6,171.54705.420.00803.41165,641.303,500,000.00The 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.
2018-09-30111,992.0294,795.1684.641,968.99-4,999.843,635,979.093.4033,957.1138,915.500.0016,276.982,467.690.003,177.8813,054.260.009,432.500.00-7,351.441,058.130.001,003.41135,979.093,500,000.00
2018-08-31110,023.0399,795.0090.702,374.378,143.083,617,455.393.4062,905.5316,915.260.0013,246.163,803.690.002,924.3613,054.260.00-800.000.00-4,140.481,410.840.00703.41117,455.393,500,000.00
2018-07-31107,648.6691,651.9285.142,503.422,394.633,535,305.393.4032,788.3041,914.900.0011,112.182,665.690.003,170.8513,054.260.005,000.000.00-4,857.481,763.55133.00903.4135,305.393,500,000.00
2018-06-30105,145.2489,257.2984.893,469.506,430.393,506,416.513.4034,576.6241,914.580.008,321.071,527.690.002,917.3313,054.260.00567.500.00-640.482,116.26187.00603.41106,416.513,400,000.00
2018-05-31101,675.7482,826.9081.461,982.642,319.853,487,865.093.4028,737.1341,914.200.008,622.07389.690.003,163.8113,054.260.004,200.000.00-2,135.802,468.97458.00803.4187,865.093,400,000.00A salary increase in this month increases my saving rate from this point onward.
2018-04-3099,693.1080,507.0580.75-298.31-14,093.403,487,873.613.4026,295.9641,913.820.007,255.281,571.690.003,470.3013,054.263,500.00-3,229.500.001,807.202,821.68229.001,003.4187,873.613,400,000.00The huge decline in my USD balance was due to me realizing and paying California state income taxes for 2017.
2018-03-3199,991.4194,600.4594.61-570.701,888.223,449,476.923.4032,921.8251,913.380.005,863.97624.500.003,276.7813,054.26889.000.000.00-12,709.803,174.39279.70703.4149,476.923,400,000.00
2018-02-28100,562.1192,712.2392.192,286.095,409.653,442,226.923.4030,890.7651,912.980.005,640.73624.500.003,643.2613,054.26889.000.000.00-10,658.803,527.10134.91903.4142,226.923,400,000.00
2018-01-3198,276.0287,302.5888.83-1,721.30989.483,434,008.923.4025,564.1651,912.540.005,690.73624.500.003,510.6513,054.26889.000.000.00-8,233.803,879.81280.761,103.4134,008.923,400,000.00
2017-12-3199,997.3286,313.1086.329,865.751,145.83N/A3.4323,609.1051,912.130.006,290.24624.500.003,877.1313,054.26889.000.000.00-5,967.324,232.52172.351,303.41N/AN/AThe 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. Also note that the contractwork balance for this month disagrees by $4175 from the contractwork balance on the contractwork portal; the discrepancy is due to a payment that I sent on 2017-12-30 but was received on 2018-01-02, so depending on convention it could be counted in one month or the other. For the purpose of this balance, it makes more sense to count it in the month of 2017-12 since the amount was immediately deducted from my bank account.
2017-11-3090,131.5785,167.2794.492,153.387,334.64N/A3.7522,589.5751,911.670.006,493.77624.500.003,547.768,054.26889.000.000.00-5,780.30297.930.001,503.41N/AN/A
2017-10-3187,978.1977,832.6388.471,868.00-13,216.16N/A4.0015,629.1951,911.240.006,543.770.000.003,748.438,054.26889.000.000.00-232.80595.86135.83703.41N/AN/A
2017-09-3086,110.1991,048.79105.74798.683,792.20N/A4.1331,006.1251,910.810.004,122.760.000.004,009.108,054.26889.000.000.00-15,806.13893.79127.07903.41N/AN/A
2017-08-3185,311.5187,256.59102.284,102.8718,431.79N/A4.1322,685.7656,910.300.003,390.760.000.004,269.778,054.26889.000.000.00-13,240.131,191.7260.001,100.07N/AN/A
2017-07-3181,208.6468,824.8084.758,158.381,800.81N/A4.9620,785.8142,909.990.001,158.560.000.003,970.448,054.26889.00-1,044.010.00-9,325.131,489.6511,120.001,200.07N/AN/AMost of the USD balance gain is due to my share (50%) of a $20,000 rental lease buyout.
2017-06-3073,050.2667,023.9991.754,309.722,594.77N/A4.9612,421.4046,061.620.004,309.860.000.004,231.118,054.26889.00-125.30847.50-8,956.741,787.782,229.701,300.07N/AN/A
2017-05-3168,740.5464,429.2293.739,927.8611,145.33N/A5.6018,781.1841,061.260.0060.000.000.004,526.788,054.26889.00793.02847.50-8,366.32893.79575.00625.07N/AN/AMost 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.
2017-04-3058,812.6853,283.8990.60158.91-7,937.44N/A11.367,995.5041,060.940.000.000.000.004,227.458,054.26889.001,711.74847.50-7,294.64595.860.00725.07N/AN/A
2017-03-3158,653.7761,221.33104.38-11,716.35464.45N/A11.3619,612.6437,060.570.000.000.000.004,548.128,054.26889.002,630.46847.50-16,407.64893.790.00525.07N/AN/AThe 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.
2017-02-2870,370.1260,756.8886.34-506.643,376.75N/A11.368,827.8847,060.210.000.000.000.004,868.798,054.26889.001,711.74847.50-2,812.26297.930.00625.07N/AN/A
2017-01-3170,876.7657,380.1380.962,896.53-6,389.87N/A11.365,310.8647,059.810.000.000.000.005,009.468,985.50889.002,630.46847.50-1,176.76595.860.00725.07N/AN/A
2016-12-3167,980.2363,770.0093.81-2,955.962,643.71N/A11.3611,749.1047,059.470.00191.300.000.004,770.138,985.50673.001,695.50847.50-8,516.340.000.00525.07N/AN/AThe 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.
2016-11-3070,936.1961,126.2986.171,922.081,626.96N/A11.3621,270.7935,059.180.00385.620.000.004,410.708,985.50673.002,597.97847.50-4,161.39242.250.00625.07N/AN/A
2016-10-3169,014.1159,499.3386.21-1,667.17813.95N/A11.3619,769.2035,058.900.000.000.000.004,671.238,985.50673.001,695.50847.50-3,796.29484.500.00625.07N/AN/A
2016-09-3070,681.2858,685.3883.032,411.583,518.36N/A11.3618,196.2335,058.590.00938.800.000.004,491.768,985.50673.002,597.97847.50-2,559.89726.750.00725.07N/AN/A
2016-08-3168,269.7055,167.0280.81751.14778.24N/A11.3614,385.6435,058.290.001,090.800.000.004,632.298,985.50673.001,695.50847.50-492.89969.000.00425.07N/AN/A
2016-07-3167,518.5654,388.7880.5593.22766.90N/A11.3612,798.2535,058.010.001,639.700.000.004,892.828,985.50673.002,597.97847.50-1,710.511,211.250.00525.07N/AN/A
2016-06-3067,425.3453,621.8879.53-74.363,256.26N/A11.3611,858.1335,057.700.002,172.700.000.004,533.358,985.50673.001,695.50847.50-176.611,453.500.00325.07N/AN/A
2016-05-3167,499.7050,365.6274.62451.97-3,378.50N/A11.368,080.6535,057.400.002,553.690.000.004,673.888,985.50673.002,597.97847.501,789.291,695.75120.00425.07N/AN/A
2016-04-3067,047.7353,744.1280.161,126.173,631.07N/A11.3612,148.8936,057.130.002,603.690.000.002,934.418,985.50673.001,695.50847.50-1,360.961,938.000.00525.07N/AN/A
2016-03-3165,921.5650,113.0576.022,145.131,854.86N/A11.3617,917.9026,056.900.003,063.310.000.003,074.948,985.50673.002,597.97847.50-100.782,180.250.00625.07N/AN/A
2016-02-2963,776.4348,258.1975.671,978.993,516.42N/A11.3615,575.7226,056.690.003,410.310.000.003,215.478,985.50673.001,695.50847.50169.172,422.500.00725.07N/AN/A
2016-01-3161,797.4444,741.7772.401,342.99-3,781.74N/A11.3611,653.9826,056.480.003,675.310.000.003,356.008,985.50468.002,597.97847.50546.882,664.75120.00825.07N/AN/A
2015-12-3160,454.4548,523.5180.26-2,725.56-4,607.09N/A11.3617,115.4726,056.200.002,235.310.000.003,116.5310,000.00468.004,288.50847.50-7,205.132,907.000.00625.07N/AN/AThe huge decline in my USD balance is due to me realizing a royalty payment to Alex K. Chen for 2015.
2015-11-3063,180.0153,130.6084.092,514.021,761.55N/A11.365,451.4243,055.850.002,389.300.000.002,234.035,000.00468.005,153.00847.50-2,144.160.000.00725.07N/AN/A
2015-10-3160,665.9951,369.0584.682,185.173,350.86N/A11.366,172.6740,055.550.002,789.300.000.002,351.535,000.00468.004,288.50847.50-1,632.130.000.00325.07N/AN/A
2015-09-3058,480.8248,018.1982.112,453.381,860.49N/A11.3611,654.5731,055.290.002,839.300.000.002,469.035,000.00468.005,153.00847.50-1,430.940.000.00425.07N/AN/A
2015-08-3156,027.4446,157.7082.382,377.681,734.30N/A11.369,288.8431,055.030.003,189.300.000.002,624.535,000.00468.004,288.50847.50-1,259.330.000.00525.07N/AN/A
2015-07-3153,649.7644,423.4082.80-2,887.34-3,301.13N/A11.367,140.3431,554.730.003,486.300.000.002,242.035,000.00468.003,424.00847.50-1,138.210.000.00625.07N/AN/AThe bigger-than-normal decline in my USD balance is due to an interpersonal loan of $5,000 that I made.
2015-06-3056,537.1047,724.5384.412,457.961,796.56N/A11.366,274.2636,054.440.003,536.300.000.001,859.535,000.00468.002,559.50847.50-787.500.000.00725.07N/AN/A
2015-05-3154,079.1445,927.9784.932,952.022,608.13N/A11.367,014.7633,054.180.003,856.300.000.002,002.735,000.00468.001,695.00847.50-684.400.000.00825.07N/AN/AA slight salary reduction in this month (in exchange for more equity) decreases my saving rate from this point onward.
2015-04-3051,127.1243,319.8484.732,928.087,056.37N/A11.364,284.3933,053.920.003,861.300.000.002,120.235,000.00468.00830.50847.50-263.790.000.00925.07N/AN/A
2015-03-3148,199.0436,263.4775.242,479.071,814.57N/A11.365,719.9625,353.710.003,211.300.000.001,978.508,000.00468.001,695.00847.50-100.000.000.001,025.07N/AN/A
2015-02-2845,719.9734,448.9075.354,075.043,971.54N/A11.367,834.0521,353.550.003,765.300.000.001,496.008,000.00468.00830.50847.500.000.000.001,125.07N/AN/A
2015-01-3141,644.9330,477.3673.182,548.29-3,199.21N/A11.363,735.1921,353.370.003,775.300.000.001,613.508,000.000.001,695.00847.500.000.000.00625.07N/AN/AThe smaller-than-normal gain in USD balance is because of money I spent buying Bitcoin.
2014-12-3139,096.6433,676.5786.14-306.24141.26N/A8.997,117.0821,353.190.003,775.300.000.001,431.003,000.000.00847.50847.500.000.000.00725.07N/AN/AThe huge drop in USD balance is because of money I spent buying Bitcoin.
2014-11-3039,402.8833,535.3185.113,423.192,250.62N/A0.009,181.9821,353.030.002,080.300.000.00920.003,000.000.001,695.00847.500.000.000.00325.07N/AN/A
2014-10-3135,979.6931,284.6986.952,885.382,037.88N/A0.0010,941.5117,352.880.002,480.300.000.00510.003,000.000.00847.50847.500.000.000.000.00N/AN/A
2014-09-3033,094.3129,246.8188.376,321.358,016.35N/A0.008,554.0717,552.740.002,540.000.000.00600.003,000.000.000.00847.500.000.000.000.00N/AN/AThe 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.
2014-08-3126,772.9621,230.4679.301,224.20376.70N/A0.007,577.8313,252.630.000.000.000.00400.003,000.000.001,695.00847.500.000.000.000.00N/AN/AI start a well-paying full-time job this month; starting this month, I have positive USD balance gains in most months.
2014-07-3125,548.7620,853.7681.62-2,563.00-1,715.50N/A0.007,501.2413,252.520.000.000.000.00100.003,000.000.00847.50847.500.000.000.000.00N/AN/AThe 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.
2014-06-3028,111.7622,569.2680.281,011.57-140.93N/A0.007,381.8615,047.400.0040.000.000.00100.003,000.000.001,695.00847.500.000.000.000.00N/AN/A
2014-05-3127,100.1922,710.1983.80-832.32-1,679.82N/A0.007,622.9215,047.270.0040.000.000.00N/A1,000.000.002,542.50847.500.000.000.000.00N/AN/A
2014-04-3027,932.5124,390.0187.32-991.23-2,838.73N/A0.009,342.8615,047.150.000.000.000.00N/A1,000.000.001,695.00847.500.000.000.000.00N/AN/A
2014-03-3128,923.7427,228.7494.14-914.26-66.76N/A0.0012,181.7115,047.030.000.000.000.00N/A0.000.00847.50847.500.000.000.000.00N/AN/A
2014-02-2829,838.0027,295.5091.48-485.10-3,027.60N/A0.0012,248.5915,046.910.000.000.000.00N/A0.000.001,695.00847.500.000.000.000.00N/AN/A
2014-01-3130,323.1030,323.10100.00202.991,257.06N/A0.0015,276.3215,046.780.000.000.000.00N/A0.000.00-847.50847.500.000.000.000.00N/AN/A
2013-12-3130,120.1129,066.0496.50-977.97-1,363.04N/A0.0021,019.308,046.740.000.000.000.00N/A0.000.000.00847.500.00206.570.000.00N/AN/AThis 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.
2013-11-3031,098.0830,429.0897.8515,074.7815,743.78N/A0.0022,382.838,046.250.000.000.000.00N/A0.000.00669.000.000.000.000.000.00N/AN/AMy 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.
2013-10-3116,023.3014,685.3091.652,376.831,707.83N/A0.006,639.428,045.880.000.000.000.00N/A0.000.001,338.000.000.000.000.000.00N/AN/A
2013-09-3013,646.4712,977.4795.10-2,494.45-1,825.45N/A0.004,931.928,045.550.000.000.000.00N/A0.000.00669.000.000.000.000.000.00N/AN/A
2013-08-3116,140.9214,802.9291.71-1,323.70-1,999.70N/A0.006,757.718,045.210.000.000.000.00N/A0.000.001,338.000.000.000.000.000.00N/AN/A
2013-07-3117,464.6216,802.6296.21384.63384.63N/A0.008,757.758,044.870.000.000.000.00N/A0.000.00662.000.000.000.000.000.00N/AN/A
2013-06-3017,079.9916,417.9996.121,123.361,785.36N/A0.008,373.448,044.550.000.000.000.00N/A0.000.00662.000.000.000.000.000.00N/AN/A
2013-05-3115,956.6314,632.6391.70944.371,606.37N/A0.006,588.438,044.200.000.000.000.00N/A0.000.001,324.000.000.000.000.000.00N/AN/A
2013-04-3015,012.2613,026.2686.77-1,845.89-3,169.89N/A0.004,982.398,043.870.000.000.000.00N/A0.000.001,986.000.000.000.000.000.00N/AN/A
2013-03-3116,858.1516,196.1596.071,526.602,188.60N/A0.008,152.608,043.550.000.000.000.00N/A0.000.00662.000.000.000.000.000.00N/AN/A
2013-02-2815,331.5514,007.5591.36-68.43593.57N/A0.005,964.318,043.240.000.000.000.00N/A0.000.001,324.000.000.000.000.000.00N/AN/A
2013-01-3115,399.9813,413.9887.10341.64-320.36N/A0.005,371.108,042.880.000.000.000.00N/A0.000.001,986.000.000.000.000.000.00N/AN/A
2012-12-3115,058.3413,734.3491.211,239.22577.22N/A0.005,691.798,042.550.000.000.000.00N/A0.000.001,324.000.000.000.000.000.00N/AN/A
2012-11-3013,819.1213,157.1295.21902.07240.07N/A0.005,114.918,042.210.000.000.000.00N/A0.000.00662.000.000.000.000.000.00N/AN/A
2012-10-3112,917.0512,917.05100.00989.541,651.54N/A0.004,875.188,041.870.000.000.000.00N/A0.000.000.000.000.000.000.000.00N/AN/A
2012-09-3011,927.5111,265.5194.45-2,849.17-2,187.17N/A0.003,223.968,041.550.000.000.000.00N/A0.000.00662.000.000.000.000.000.00N/AN/A
2012-08-3114,776.6813,452.6891.04511.87-153.13N/A0.005,411.488,041.200.000.000.000.00N/A0.000.001,324.000.000.000.000.000.00N/AN/A
2012-07-3114,264.8113,605.8195.38485.531,144.53N/A0.005,564.958,040.860.000.000.000.00N/A0.000.00659.000.000.000.000.000.00N/AN/A
2012-06-3013,779.2812,461.2890.43-1,495.92-2,154.92N/A0.004,420.738,040.550.000.000.000.00N/A0.000.001,318.000.000.000.000.000.00N/AN/A
2012-05-3115,275.2014,616.2095.69-1,787.61-1,128.61N/A0.006,576.018,040.190.000.000.000.00N/A0.000.00659.000.000.000.000.000.00N/AN/A
2012-04-3017,062.8115,744.8192.285,180.574,521.57N/A0.007,704.958,039.860.000.000.000.00N/A0.000.001,318.000.000.000.000.000.00N/AN/AThe 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).
2012-03-3111,882.2411,223.2494.45-1,672.12-1,013.12N/A0.003,183.728,039.520.000.000.000.00N/A0.000.00659.000.000.000.000.000.00N/AN/A
2012-02-2913,554.3612,236.3690.28215.14-443.86N/A0.004,197.168,039.200.000.000.000.00N/A0.000.001,318.000.000.000.000.000.00N/AN/A
2012-01-3113,339.2212,680.2295.06287.72946.72N/A0.004,581.408,098.820.000.000.000.00N/A0.000.00659.000.000.000.000.000.00N/AN/A
2011-12-3113,051.5011,733.5089.901,638.332,297.33N/A0.007,734.783,998.720.000.000.000.00N/A0.000.001,318.000.000.000.000.000.00N/AN/A
2011-11-3011,413.179,436.1782.681,409.512,068.51N/A0.005,437.613,998.560.000.000.000.00N/A0.000.001,977.000.000.000.000.000.00N/AN/A
2011-10-3110,003.667,367.6673.651,368.692,027.69N/A0.003,369.263,998.400.000.000.000.00N/A0.000.002,636.000.000.000.000.000.00N/AN/A
2011-09-308,634.975,339.9761.84-12,063.42-12,722.42N/A0.001,341.843,998.130.000.000.000.00N/A0.000.003,295.000.000.000.000.000.00N/AN/AThe huge drop in USD balance is due to a $10,000 investment in a startup that I would later write off.
2011-08-3120,698.3918,062.3987.26974.28302.28N/A0.004,047.5114,014.880.000.000.000.00N/A0.000.002,636.000.000.000.000.000.00N/AN/A
2011-07-3119,724.1117,760.1190.04539.401,185.40N/A0.003,747.4614,012.650.000.000.000.00N/A0.000.001,964.000.000.000.000.000.00N/AN/A
2011-06-3019,184.7116,574.7186.40647.151,293.15N/A0.004,564.3412,010.370.000.000.000.00N/A0.000.002,610.000.000.000.000.000.00N/AN/A
2011-05-3118,537.5615,281.5682.44808.15-1,155.85N/A0.003,273.7612,007.800.000.000.000.00N/A0.000.003,256.000.000.000.000.000.00N/AN/A
2011-04-3017,729.4116,437.4192.711,082.721,728.72N/A0.003,430.4013,007.010.000.000.000.00N/A0.000.001,292.000.000.000.000.000.00N/AN/A
2011-03-3116,646.6914,708.6988.36948.79302.79N/A0.005,902.968,805.730.000.000.000.00N/A0.000.001,938.000.000.000.000.000.00N/AN/A
2011-02-2815,697.9014,405.9091.771,168.921,814.92N/A0.005,601.528,804.380.000.000.000.00N/A0.000.001,292.000.000.000.000.000.00N/AN/A
2011-01-3114,528.9812,590.9886.66385.74-260.26N/A0.003,788.058,802.930.000.000.000.00N/A0.000.001,938.000.000.000.000.000.00N/AN/A
2010-12-3114,143.2412,851.2490.86-4,154.33-3,508.33N/A0.004,050.768,800.480.000.000.000.00N/A0.000.001,292.000.000.000.000.000.00N/AN/AThe huge decline in my USD balance is due to a $5,100 donation I made.
2010-11-3018,297.5716,359.5789.41-94.69-740.69N/A0.002,563.0213,796.550.000.000.000.00N/A0.000.001,938.000.000.000.000.000.00N/AN/A
2010-10-3118,392.2617,100.2692.981,499.792,145.79N/A0.003,307.4113,792.850.000.000.000.00N/A0.000.001,292.000.000.000.000.000.00N/AN/A
2010-09-3016,892.4714,954.4788.53-8,846.19-8,200.19N/A0.001,167.7713,786.700.000.000.000.00N/A0.000.001,938.000.000.000.000.000.00N/AN/AThe huge decline in my USD balance is due to a $7,500 donation I made.
2010-08-3125,738.6623,154.6689.96-2,404.27-3,056.27N/A0.001,735.7121,418.950.000.000.000.00N/A0.000.002,584.000.000.000.000.000.00N/AN/A
2010-07-3128,142.9326,210.9393.145,314.794,662.79N/A0.004,799.4221,411.510.000.000.000.00N/A0.000.001,932.000.000.000.000.000.00N/AN/A
2010-06-3022,828.1421,548.1494.391,357.281,997.28N/A0.007,904.2013,643.940.000.000.000.00N/A0.000.001,280.000.000.000.000.000.00N/AN/A
2010-05-3121,470.8619,550.8691.06-894.01-254.01N/A0.005,912.5213,638.340.000.000.000.00N/A0.000.001,920.000.000.000.000.000.00N/AN/A
2010-04-3022,364.8719,804.8788.551,937.182,577.18N/A0.006,361.2413,443.630.000.000.000.00N/A0.000.002,560.000.000.000.000.000.00N/AN/A
2010-03-3120,427.6917,227.6984.33822.65-457.35N/A0.003,789.7713,437.920.000.000.000.00N/A0.000.003,200.000.000.000.000.000.00N/AN/A
2010-02-2819,605.0417,685.0490.21906.06266.06N/A0.004,253.8213,431.220.000.000.000.00N/A0.000.001,920.000.000.000.000.000.00N/AN/A
2010-01-3118,698.9817,418.9893.151,789.762,429.76N/A0.003,994.5813,424.400.000.000.000.00N/A0.000.001,280.000.000.000.000.000.00N/AN/A
2009-12-3116,909.2214,989.2288.6516,909.2214,989.22N/A0.00676.0114,313.210.000.000.000.00N/A0.000.001,920.000.000.000.000.000.00N/AN/AOldest month-end covered in a bank statement I can retrieve.