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 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, Vanguard settlement fund, 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, certificates of deposit that have guaranteed payout dates and amounts, and other Vanguard funds.

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 dateIncome (US-only) minus taxesAccrued expenses in the yearUSD balanceSemiliquid USD balanceSemiliquid balance percentageUSD balance gainSemiliquid USD balance gainUS saving rate (percentage)INR balanceBitcoin balance (BTC)Interpersonal loan gainAdjustmentsUnaccounted-for incomeTax accrual adjustment for incomeUSD balance gain after tax accrual adjustmentUS saving rate after accrual adjustment (percentage)
2020-12-31134,218.6360,377.81225,091.21211,929.4294.1572,023.6370,231.2353.664,155,324.871.84195,844.653,828.08-199.38162.7472,186.3753.78
2019-12-31102,979.0268,979.68153,067.58141,698.1992.5734,374.1447,391.7833.383,957,785.753.26030.00319.82-54.984,419.7838,793.9237.67
2018-12-3196,952.8373,658.53118,693.4494,306.4179.4522,771.127,893.3123.493,684,581.943.46690.00252.45775.635,018.6627,789.7828.66
2017-12-31116,714.5179,602.2295,922.3286,413.1090.0927,842.0922,543.1023.853,420,120.233.49490.00-8,558.01712.19-8,685.5419,156.5516.41
2016-12-3159,086.2552,159.4068,080.2363,870.0093.827,525.7815,246.4912.743,165,593.4911.35660.000.00-598.931,025.508,551.2814.47
2015-12-3162,066.1534,201.4360,554.4548,623.5180.3021,357.8114,846.9434.412,911,777.2011.35665,250.00-500.00756.91116.4821,474.2934.60
2014-12-3138,160.0026,006.4639,196.6433,776.5786.178,990.534,710.5323.561,774,255.718.9870-1,400.00-3,000.001,563.01-1,288.427,702.1120.18
2013-12-3121,427.9921,578.0030,206.1129,066.0496.2314,333.4914,517.4266.89N/A0.0000-11,500.005,000.002,016.50552.8014,886.2969.47
2012-12-3129,875.7420,890.2115,872.6214,548.6291.662,821.122,815.129.44N/A0.00002,750.000.003,414.41-1,158.431,662.695.57
2011-12-3127,117.9018,749.5613,051.5011,733.5089.90-1,091.74-1,117.74-4.03N/A0.00000.00-10,000.00-539.92-703.73-1,795.47-6.62
2010-12-3128,383.4932,210.9614,143.2412,851.2490.86-2,765.98-2,137.98-9.75N/A0.00000.000.00-1,061.491,317.13-1,448.85-5.10
2009-12-3130,968.1411,897.1916,909.2214,989.2288.65N/AN/AN/AN/A0.00000.000.0021,836.93-448.53-3,214.51-10.38

Accrued expense categories by year

Expenses have been entered for the first three quarters of 2021 (till September 30).

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, laundry, house cleaning, Internet, furniture, entertainment, and self-education.

The following expenses should be close to accurate starting 2010: health insurance, electricity, food, transportation, toiletries, phone plan.

Expense categoryTotal across yearsTotal in year 2021Total 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 Naik175,627.7914,581.7920,497.3524,820.4236,774.3246,840.0223,843.758,270.140.000.000.000.000.000.000.000.00
Rent157,142.2316,731.6821,205.8614,541.5513,770.0012,168.5010,829.6410,374.0010,256.007,972.007,920.007,804.007,704.007,236.006,616.002,013.00
Food51,938.973,399.555,203.286,315.585,820.054,725.164,357.084,260.493,743.314,203.013,904.463,267.552,739.450.000.000.00
Health insurance39,990.323,992.405,373.844,913.404,232.523,575.162,907.002,712.002,484.002,845.002,563.002,302.002,090.000.000.000.00
Donations32,526.410.000.007,306.413,000.0015.000.000.000.000.00500.00520.0016,510.003,888.00762.0025.00
Web hosting17,799.461,900.002,500.002,475.632,490.001,736.661,472.271,202.66929.041,585.351,049.850.000.000.00134.00324.00
Transportation15,000.5520.00471.802,250.002,205.002,901.962,025.001,857.00725.00292.90107.002,144.890.000.000.000.00
Toiletries10,202.271,062.291,026.191,507.80699.88791.111,244.491,030.391,637.50476.00375.07177.22174.330.000.000.00
Electronics6,684.530.005.001,537.981,414.4274.290.000.00932.871,130.2647.31153.70258.990.000.001,129.71
Work-related expense6,299.90467.91589.6771.440.00143.272,333.411,920.59773.610.000.000.000.000.000.000.00
Phone plan4,742.06158.92429.06591.61624.641,051.13500.00690.00458.14145.3493.220.000.000.000.000.00
University fees4,261.000.000.000.000.000.000.000.000.001,210.001,118.001,008.00925.000.000.000.00
Self-education4,085.33180.00180.000.000.0065.780.000.00355.59311.52316.13388.77981.05695.61498.04112.84
Moving costs3,764.49367.480.000.0040.003,166.000.000.00111.7579.260.000.000.000.000.000.00
Electricity3,519.92600.49699.74350.32283.16284.98143.41210.35176.89175.47199.63197.23198.250.000.000.00
Health care3,385.122,228.61101.47129.15139.0039.99642.8440.0763.990.000.000.000.000.000.000.00
Internet2,507.47408.72455.01237.66146.37195.99369.55347.46346.710.000.000.000.000.000.000.00
Software services2,353.050.0054.0091.00414.00393.99393.9993.99397.28239.99274.810.000.000.000.000.00
Laundry2,349.25199.25200.00300.00300.00100.000.000.000.00350.00300.00300.00300.000.000.000.00
Entertainment1,811.7255.92160.93198.88199.86126.07102.21209.46388.73152.64122.4273.3221.280.000.000.00
Backups1,720.37239.39333.75346.63304.14270.75156.4169.300.000.000.000.000.000.000.000.00
Activism1,534.340.000.000.000.000.000.00500.00969.8354.869.650.000.000.000.000.00
Clothing1,300.320.00108.7617.4742.04339.40200.14162.3543.5987.4071.09152.4275.660.000.000.00
Gifts1,275.820.000.000.000.000.000.000.000.000.00500.00190.24100.0077.58408.000.00
Transaction overhead for contract work payments1,258.958.3243.87323.92573.82309.020.000.000.000.000.000.000.000.000.000.00
Video production1,079.000.000.000.000.000.000.000.000.000.001,079.000.000.000.000.000.00
Audience research822.500.000.000.000.00100.00572.50150.000.000.000.000.000.000.000.000.00
House cleaning778.500.00192.50396.00160.0030.000.000.000.000.000.000.000.000.000.000.00
Supplements633.65239.71342.5251.420.000.000.000.000.000.000.000.000.000.000.000.00
Furniture600.780.000.000.000.00100.000.000.00500.780.000.000.000.000.000.000.00
Legal and administrative543.400.0090.7633.790.000.000.000.00380.0014.0024.850.000.000.000.000.00
Bank fees360.000.000.000.000.000.000.000.000.00140.00220.000.000.000.000.000.00
Stationery318.400.0010.9110.9113.6130.7851.5630.90100.010.0069.720.000.000.000.000.00
Shipping and postage201.6731.0061.1314.0611.7027.2114.1520.2822.140.000.000.000.000.000.000.00
Genetic testing173.950.000.000.000.000.000.000.000.000.005.0055.00113.950.000.000.00
Miscellaneous write-offs150.000.000.000.000.000.000.000.00150.000.000.000.000.000.000.000.00
Kitchen stuff132.680.0040.4192.270.000.000.000.000.000.000.000.000.000.000.000.00
Driving license and practice114.000.000.000.000.000.000.000.000.0094.0020.000.000.000.000.000.00
Dating site59.700.000.000.000.000.000.000.0059.700.000.000.000.000.000.000.00
SIM card recovery54.380.000.0054.380.000.000.000.000.000.000.000.000.000.000.000.00
Lost bet50.000.000.000.000.000.000.0050.000.000.000.000.000.000.000.000.00
Intelligence and personality testing38.000.000.000.000.000.000.000.000.0019.000.000.0019.000.000.000.00
Ads experimentation15.220.000.000.000.000.000.000.000.000.000.0015.220.000.000.000.00
Total discretionary self-expense146,361.8711,091.3312,667.2217,002.5415,307.8716,551.2512,245.6010,924.7012,492.8510,761.009,907.218,123.565,906.96773.191,040.041,566.55
Total self-expense343,494.4231,815.4139,246.9236,457.4933,310.3932,294.9125,982.2424,010.7025,232.8521,578.0020,390.2118,229.5615,700.968,009.197,656.043,579.55
Total559,207.4746,873.4360,377.8168,979.6873,658.5379,602.2252,159.4034,201.4326,006.4621,578.0020,890.2118,749.5632,210.9611,897.198,418.043,604.55

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 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, Vanguard settlement fund, 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, certificates of deposit that have guaranteed payout dates and amounts, and other Vanguard funds.

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). PayPal balances are based on official records starting 2014, and data from before that has been reconstructed, so may be less accurate. Other data should be generally accurate.

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 been entered from January 2014 to December 2020.

Balance dateUSD balanceSemiliquid USD balanceSemiliquid balance percentageLiquid USD balanceLiquid balance percentageUSD balance gainSemiliquid USD balance gainLiquid USD balance gainINR balanceBitcoin balance (BTC)Notes
2021-09-30262,461.79238,768.5990.9746,766.6317.824,355.908,896.735,798.94N/A1.5317I had about $500 of extra house-related expenses. Also, I did not make any contract work payments, so there was no boost due to that on my USD balances. Otherwise it was a fairly normal month expenses-wise.
2021-08-31258,105.89229,871.8689.0640,967.6915.875,019.488,866.23-5,703.61N/A1.5317I had slightly-higher-than-usual rent expenses due to a vacancy, as well as some nonrepeating dental care expenses, causing more spend than usual. On thee other hand, I made a contract work payment that moved some assets from Bitcoin balance to USD balance. Overall, my balance increase was around normal.
2021-07-31253,086.41221,005.6387.3246,671.3018.444,714.04-16,285.23-43,396.00N/A1.6017The relatively normal balance increase masked several mutually cancelling events. On the plus side, a large contract work payment using the BTC balance artificially boosted the USD balance. On the minus side, some house rent payments were moved to interpersonal loans (depressing balance); also, an unexpected California state tax bill further reduced the balance.
2021-06-30248,372.37237,290.8695.5490,067.3036.269,386.9910,619.527,509.38N/A1.7017The huge balance increase relative to the previous month is because of a balance understatement in the previous month by about $3,850 because of money in transit betwen accounts that does not show up in any of the accounts as of the end of 2021-05-31.
2021-05-31238,985.38226,671.3494.8582,557.9234.553,843.988,365.28-21,696.98N/A1.7017The balance is an understatement by about $3,850 because of money in transit betwen accounts that does not show up in any of the accounts as of the end of 2021-05-31.
2021-04-30235,141.40218,306.0692.84104,254.9044.343,215.18-794.00-13,815.46N/A1.7767
2021-03-31231,926.22219,100.0694.47118,070.3650.913,589.08755.25-274.45N/A1.7867
2021-02-28228,337.14218,344.8195.62118,344.8151.83621.2410,812.2110,812.21N/A1.7968Since I filed my US federal income tax return this month, I saw a huge drop in that balance (essentially, all the balance I was counting was due to my estimated tax payment, and almost all of it got used up in actual tax due). I also filed my California state income tax return but my balance there changed very little. Other balances increased as expected, though I had a net drawdown of my contract work balance, that I normally fund using Bitcoin but count advance payments in USD, so this also negatively affected my USD balance.
2021-01-31227,715.90207,532.6091.14107,532.6047.222,624.69-4,396.82-4,396.82N/A1.8068In this month, I realized some unpaid taxes (US federal and California state) for 2017, causing my finances to take a hit.
2020-12-31225,091.21211,929.4294.15111,929.4249.732,248.276,668.43-18,331.574,155,324.871.8419For accounting purposes, I converted some overdue rent from rental balance to loan, thereby dropping my USD balance somewhat. For Venmo balance, I am using the balance as of before the standard transfer I initiated to my bank, because the money does not yet show up in the bank.
2020-11-30222,842.94205,260.9992.11130,260.9958.458,176.9011,450.5746,450.574,143,706.621.8749The larger-than-usual USD balance increase was driven largely by the fact that I paid contract work money (an advance for about 1 month) using Bitcoin rather than using my USD balance.
2020-10-31214,666.04193,810.4290.2883,810.4239.049,983.4611,524.2411,524.244,124,006.942.0251The larger-than-usual USD balance increase was driven largely by the fact that I paid contract work money (an advance for about 3 months) using Bitcoin rather than using my USD balance.
2020-09-30204,682.58182,286.1889.0672,286.1835.322,904.445,943.255,943.254,106,574.392.5251
2020-08-31201,778.14176,342.9387.3966,342.9332.889,533.1218,162.3418,162.344,094,529.572.5251The larger-than-usual USD balance increase was the result of a net of two factors: a payout of a little under $10,000 (after taxes and adjustments) from the closing down of LiftIgniter and some deferrals of rent totaling around $4,000 for housemates due to difficulty they experienced paying rent (due to COVID-related complications).
2020-07-31192,245.02158,180.5982.2848,180.5925.068,576.7610,422.19-49,577.814,073,983.822.5251The 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.
2020-06-30183,668.26147,758.4080.4597,758.4053.237,148.04-22,650.40-22,650.404,056,154.823.0253The 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.
2020-05-31176,520.22170,408.8096.54120,408.8068.215,416.1912,436.3312,436.334,043,820.163.1953USD balance gain was slightly higher than usual this month, mainly because I sold some Bitcoin and Bitcoin Cash.
2020-04-30171,104.03157,972.4792.33107,972.4763.103,837.6917,685.7317,685.734,020,279.803.2603Reasons 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.
2020-03-31167,266.34140,286.7483.8790,286.7453.989,430.6717,942.29-32,057.713,994,311.633.2603The 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.
2020-02-29157,835.67122,344.4577.51122,344.4577.511,411.31-3,250.37-3,250.373,995,419.803.2603The main reason for the modesty of the increase in USD balance: my second February income payment was delayed to March.
2020-01-31156,424.36125,594.8280.29125,594.8280.293,356.78-16,103.37-16,103.373,976,263.123.2603
2019-12-31153,067.58141,698.1992.57141,698.1992.57-2,463.31-1,695.44-1,695.443,957,785.753.2603The 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 paid additional California state tax as a result of this amendment, (3) I made a $3,000 donation.
2019-11-30155,530.89143,393.6392.20143,393.6392.205,104.729,117.429,117.423,946,120.713.2603
2019-10-31150,426.17134,276.2189.26134,276.2189.262,701.3113,733.4413,733.443,926,942.023.2603The smaller-than-normal increase in USD balance is due to the filing of my 2018 tax return, that made me realize income tax due.
2019-09-30147,724.86120,542.7781.60120,542.7781.604,149.2810,748.7410,748.743,822,592.003.2603
2019-08-31143,575.58109,794.0376.47109,794.0376.475,596.94-25,767.19-25,767.193,810,735.693.2603
2019-07-31137,978.64135,561.2298.25135,561.2298.252,176.9611,689.6811,689.683,792,770.633.2701The smaller-than-normal increase in USD balance is partly due to higher-than-normal spending on contract work.
2019-06-30135,801.68123,871.5491.22123,871.5491.223,530.5012,510.9412,510.943,775,580.503.2871
2019-05-31132,271.18111,360.6084.19111,360.6084.192,129.07-9,968.36-9,968.363,762,573.103.3669
2019-04-30130,142.11121,328.9693.23121,328.9693.231,729.929,427.679,427.673,751,757.623.4669The 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.
2019-03-31128,412.19111,901.2987.14111,901.2987.142,024.76-5,058.41-5,058.413,714,931.263.4669
2019-02-28126,387.43116,959.7092.54116,959.7092.545,073.4312,415.9812,415.983,714,244.133.4669
2019-01-31121,314.00104,543.7286.18104,543.7286.182,620.5610,237.3110,237.313,714,244.123.4669
2018-12-31118,693.4494,306.4179.4594,306.4179.451,970.51-16,053.78-16,053.783,684,581.943.4669The smaller-than-normal increase in USD balance is due to three charitable donations totaling to $3,000 USD.
2018-11-30116,722.93110,360.1994.55110,360.1994.558,274.678,701.148,701.143,665,641.303.4669The 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.
2018-10-31108,448.26101,659.0593.74101,659.0593.74-3,643.766,763.896,763.893,665,641.303.4669The 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.
2018-09-30112,092.0294,895.1684.6694,895.1684.661,968.99-4,999.84-4,999.843,635,979.093.4669
2018-08-31110,123.0399,895.0090.7199,895.0090.712,374.378,143.088,143.083,617,455.393.4669
2018-07-31107,748.6691,751.9285.1591,751.9285.152,503.422,394.632,394.633,535,305.393.4669
2018-06-30105,245.2489,357.2984.9089,357.2984.903,469.506,430.396,430.393,506,416.513.4669
2018-05-31101,775.7482,926.9081.4882,926.9081.481,982.642,319.852,319.853,487,865.093.4669A salary increase in this month increases my saving rate from this point onward.
2018-04-3099,793.1080,607.0580.7780,607.0580.77-298.31-14,093.40-14,093.403,487,873.613.4669The huge decline in my USD balance was due to me realizing and paying California state income taxes for 2017.
2018-03-31100,091.4194,700.4594.6194,700.4594.61-570.701,888.221,888.223,449,476.923.4669
2018-02-28100,662.1192,812.2392.2092,812.2392.202,286.095,409.655,409.653,442,226.923.4669
2018-01-3198,376.0287,402.5888.8587,402.5888.852,453.70989.48989.483,434,008.923.4669
2017-12-3195,922.3286,413.1090.0986,413.1090.095,690.751,145.831,145.833,420,120.233.4949The 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.
2017-11-3090,231.5785,267.2794.5085,267.2794.502,153.387,334.647,334.643,396,342.943.8039
2017-10-3188,078.1977,932.6388.4877,932.6388.481,868.00-13,216.16-13,216.163,396,673.944.0489
2017-09-3086,210.1991,148.79105.7391,148.79105.73798.683,792.203,792.203,374,919.774.1789
2017-08-3185,411.5187,356.59102.2887,356.59102.284,102.8718,431.7918,431.793,351,342.164.1789
2017-07-3181,308.6468,924.8084.7768,924.8084.778,158.381,800.811,800.813,272,012.165.0039Most of the USD balance gain is due to my share (50%) of a $20,000 rental lease buyout.
2017-06-3073,150.2667,123.9991.7667,123.9991.764,309.722,594.772,594.773,257,219.255.0039
2017-05-3168,840.5464,529.2293.7464,529.2293.749,927.8611,145.3311,145.33846,428.125.6439Most 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.
2017-04-3058,912.6853,383.8990.6253,383.8990.62158.91-7,937.44-7,937.443,231,543.1211.3566
2017-03-3158,753.7761,321.33104.3761,321.33104.37-11,716.35464.45464.453,209,976.4011.3566The 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.
2017-02-2870,470.1260,856.8886.3660,856.8886.36-506.643,376.753,376.753,187,226.6111.3566
2017-01-3170,976.7657,480.1380.9857,480.1380.982,896.53-6,389.87-6,389.873,187,226.6111.3566
2016-12-3168,080.2363,870.0093.8263,870.0093.82-2,955.962,643.712,643.713,165,593.4911.3566The 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.
2016-11-3071,036.1961,226.2986.1961,226.2986.191,922.081,626.961,626.963,138,631.6211.3566
2016-10-3169,114.1159,599.3386.2359,599.3386.23-1,667.17813.95813.953,138,631.6211.3566
2016-09-3070,781.2858,785.3883.0558,785.3883.052,411.583,518.363,518.363,112,896.3011.3566
2016-08-3168,369.7055,267.0280.8455,267.0280.84751.14778.24778.243,095,158.2311.3566
2016-07-3167,618.5654,488.7880.5854,488.7880.5893.22766.90766.903,095,158.2311.3566
2016-06-3067,525.3453,721.8879.5653,721.8879.56-74.363,256.263,256.262,997,583.4411.3566
2016-05-3167,599.7050,465.6274.6550,465.6274.65451.97-3,378.50-3,378.502,979,097.1111.3566
2016-04-3067,147.7353,844.1280.1953,844.1280.191,126.173,631.073,631.072,979,097.1111.3566
2016-03-3166,021.5650,213.0576.0650,213.0576.062,145.131,854.861,854.862,955,212.5611.3566
2016-02-2963,876.4348,358.1975.7148,358.1975.711,978.993,516.423,516.422,936,119.7411.3566
2016-01-3161,897.4444,841.7772.4544,841.7772.451,342.99-3,781.74-3,781.742,936,119.7411.3566
2015-12-3160,554.4548,623.5180.3048,623.5180.30-2,725.56-4,607.09-4,607.092,911,777.2011.3566The huge decline in my USD balance is due to me realizing a royalty payment to Alex K. Chen for 2015.
2015-11-3063,280.0153,230.6084.1253,230.6084.122,514.021,761.551,761.552,901,217.8811.3566
2015-10-3160,765.9951,469.0584.7051,469.0584.702,185.173,350.863,350.862,899,163.5311.3566
2015-09-3058,580.8248,118.1982.1448,118.1982.142,453.381,860.491,860.492,870,774.4811.3566
2015-08-3156,127.4446,257.7082.4246,257.7082.422,377.681,734.301,734.302,857,183.0211.3566
2015-07-3153,749.7644,523.4082.8344,523.4082.83-2,887.34-3,301.13-3,301.132,808,663.0111.3566The bigger-than-normal decline in my USD balance is due to an interpersonal loan of $5,000 that I made.
2015-06-3056,637.1047,824.5384.4447,824.5384.442,457.961,796.561,796.562,780,438.4311.3566
2015-05-3154,179.1446,027.9784.9646,027.9784.962,952.022,608.132,608.132,769,246.4211.3566A slight salary reduction in this month (in exchange for more equity) decreases my saving rate from this point onward.
2015-04-3051,227.1243,419.8484.7643,419.8484.762,928.087,056.377,056.372,769,246.4211.3566
2015-03-3148,299.0436,363.4775.2936,363.4775.292,479.071,814.571,814.571,826,793.8711.3566
2015-02-2845,819.9734,548.9075.4034,548.9075.404,075.043,971.543,971.541,814,015.0111.3566
2015-01-3141,744.9330,577.3673.2530,577.3673.252,548.29-3,199.21-3,199.211,814,015.0111.3566The smaller-than-normal gain in USD balance is because of money I spent buying Bitcoin.
2014-12-3139,196.6433,776.5786.1733,776.5786.17-306.24141.26141.261,774,255.718.9870The huge drop in USD balance is because of money I spent buying Bitcoin.
2014-11-3039,502.8833,635.3185.1533,635.3185.153,423.192,250.622,250.621,758,220.870.0000
2014-10-3136,079.6931,384.6986.9931,384.6986.992,885.382,037.882,037.881,758,220.870.0000
2014-09-3033,194.3129,346.8188.4129,346.8188.416,321.358,016.358,016.351,744,759.510.0000The 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.
2014-08-3126,872.9621,330.4679.3821,330.4679.381,224.20376.70376.701,731,152.060.0000I start a well-paying full-time job this month; starting this month, I have positive USD balance gains in most months.
2014-07-3125,648.7620,953.7681.7020,953.7681.70-2,563.00-1,715.50-1,715.501,731,152.060.0000The 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.
2014-06-3028,211.7622,669.2680.3522,669.2680.351,111.57-40.93-40.931,720,442.050.0000
2014-05-3127,100.1922,710.1983.8022,710.1983.80-832.32-1,679.82-1,679.821,706,333.530.0000
2014-04-3027,932.5124,390.0187.3224,390.0187.32-991.23-2,838.73-2,838.731,706,333.530.0000
2014-03-3128,923.7427,228.7494.1427,228.7494.14-914.26-66.76-66.761,688,748.700.0000
2014-02-2829,838.0027,295.5091.4827,295.5091.48-485.10-3,027.60-3,027.601,675,947.350.0000
2014-01-3130,323.1030,323.10100.0030,323.10100.00116.991,257.061,257.061,675,947.350.0000
2013-12-3130,206.1129,066.0496.2329,066.0496.23-1,877.40-2,348.47-2,348.47N/A0.0000This 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.
2013-11-3032,083.5131,414.5197.9131,414.5197.9115,069.7815,738.7815,738.78N/A0.0000My 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.
2013-10-3117,013.7315,675.7392.1415,675.7392.142,376.831,707.831,707.83N/A0.0000
2013-09-3014,636.9013,967.9095.4313,967.9095.43-2,494.45-1,825.45-1,825.45N/A0.0000
2013-08-3117,131.3515,793.3592.1915,793.3592.19-1,348.70-2,024.70-2,024.70N/A0.0000
2013-07-3118,480.0517,818.0596.4217,818.0596.4266.6366.6366.63N/A0.0000
2013-06-3018,413.4217,751.4296.4017,751.4296.401,113.491,775.491,775.49N/A0.0000
2013-05-3117,299.9315,975.9392.3515,975.9392.35629.381,291.381,291.38N/A0.0000
2013-04-3016,670.5514,684.5588.0914,684.5588.09-2,159.89-3,483.89-3,483.89N/A0.0000
2013-03-3118,830.4418,168.4496.4818,168.4496.482,491.613,153.613,153.61N/A0.0000
2013-02-2816,338.8315,014.8391.9015,014.8391.90431.571,093.571,093.57N/A0.0000
2013-01-3115,907.2613,921.2687.5213,921.2687.5234.64-627.36-627.36N/A0.0000
2012-12-3115,872.6214,548.6291.6614,548.6291.662,028.221,366.221,366.22N/A0.0000
2012-11-3013,844.4013,182.4095.2213,182.4095.22896.07234.07234.07N/A0.0000
2012-10-3112,948.3312,948.33100.0012,948.33100.00943.541,605.541,605.54N/A0.0000
2012-09-3012,004.7911,342.7994.4911,342.7994.49-2,771.89-2,109.89-2,109.89N/A0.0000
2012-08-3114,776.6813,452.6891.0413,452.6891.04511.87-153.13-153.13N/A0.0000
2012-07-3114,264.8113,605.8195.3813,605.8195.38485.531,144.531,144.53N/A0.0000
2012-06-3013,779.2812,461.2890.4312,461.2890.43-1,495.92-2,154.92-2,154.92N/A0.0000
2012-05-3115,275.2014,616.2095.6914,616.2095.69-1,787.61-1,128.61-1,128.61N/A0.0000
2012-04-3017,062.8115,744.8192.2815,744.8192.285,180.574,521.574,521.57N/A0.0000The 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).
2012-03-3111,882.2411,223.2494.4511,223.2494.45-1,672.12-1,013.12-1,013.12N/A0.0000
2012-02-2913,554.3612,236.3690.2812,236.3690.28215.14-443.86-443.86N/A0.0000
2012-01-3113,339.2212,680.2295.0612,680.2295.06287.72946.72946.72N/A0.0000
2011-12-3113,051.5011,733.5089.9011,733.5089.901,638.332,297.332,297.33N/A0.0000
2011-11-3011,413.179,436.1782.689,436.1782.681,409.512,068.512,068.51N/A0.0000
2011-10-3110,003.667,367.6673.657,367.6673.651,368.692,027.692,027.69N/A0.0000
2011-09-308,634.975,339.9761.845,339.9761.84-12,063.42-12,722.42-12,722.42N/A0.0000The huge drop in USD balance is due to a $10,000 investment in a startup that I would later write off.
2011-08-3120,698.3918,062.3987.2618,062.3987.26974.28302.28302.28N/A0.0000
2011-07-3119,724.1117,760.1190.0417,760.1190.04539.401,185.401,185.40N/A0.0000
2011-06-3019,184.7116,574.7186.4016,574.7186.40647.151,293.151,293.15N/A0.0000
2011-05-3118,537.5615,281.5682.4415,281.5682.44808.15-1,155.85-1,155.85N/A0.0000
2011-04-3017,729.4116,437.4192.7116,437.4192.711,082.721,728.721,728.72N/A0.0000
2011-03-3116,646.6914,708.6988.3614,708.6988.36948.79302.79302.79N/A0.0000
2011-02-2815,697.9014,405.9091.7714,405.9091.771,168.921,814.921,814.92N/A0.0000
2011-01-3114,528.9812,590.9886.6612,590.9886.66385.74-260.26-260.26N/A0.0000
2010-12-3114,143.2412,851.2490.8612,851.2490.86-4,154.33-3,508.33-3,508.33N/A0.0000The huge decline in my USD balance is due to a $5,100 donation I made.
2010-11-3018,297.5716,359.5789.4116,359.5789.41-94.69-740.69-740.69N/A0.0000
2010-10-3118,392.2617,100.2692.9817,100.2692.981,499.792,145.792,145.79N/A0.0000
2010-09-3016,892.4714,954.4788.5314,954.4788.53-8,846.19-8,200.19-8,200.19N/A0.0000The huge decline in my USD balance is due to a $7,500 donation I made.
2010-08-3125,738.6623,154.6689.9623,154.6689.96-2,404.27-3,056.27-3,056.27N/A0.0000
2010-07-3128,142.9326,210.9393.1426,210.9393.145,314.794,662.794,662.79N/A0.0000
2010-06-3022,828.1421,548.1494.3921,548.1494.391,357.281,997.281,997.28N/A0.0000
2010-05-3121,470.8619,550.8691.0619,550.8691.06-894.01-254.01-254.01N/A0.0000
2010-04-3022,364.8719,804.8788.5519,804.8788.551,937.182,577.182,577.18N/A0.0000
2010-03-3120,427.6917,227.6984.3317,227.6984.33822.65-457.35-457.35N/A0.0000
2010-02-2819,605.0417,685.0490.2117,685.0490.21906.06266.06266.06N/A0.0000
2010-01-3118,698.9817,418.9893.1517,418.9893.151,789.762,429.762,429.76N/A0.0000
2009-12-3116,909.2214,989.2288.6514,989.2288.65N/AN/AN/AN/A0.0000Oldest month-end covered in a bank statement I can retrieve.

Balance forecasts

Date forecast is forActual USD balance (if available)Forecast on 2021-07-01 (if any)Forecast on 2021-01-21 (if any)Forecast on 2020-07-11 (if any)Forecast on 2020-05-10 (if any)
2021-12-31N/A264,000.00N/AN/AN/A
2021-11-30N/A261,000.00N/AN/AN/A
2021-10-31N/A258,000.00N/AN/AN/A
2021-09-30262,461.79255,000.00N/AN/AN/A
2021-08-31258,105.89250,000.00N/AN/AN/A
2021-07-31253,086.41245,000.00N/AN/AN/A
2021-06-30248,372.37N/A249,200.00N/AN/A
2021-05-31238,985.38N/A243,200.00N/AN/A
2021-04-30235,141.40N/A237,200.00N/AN/A
2021-03-31231,926.22N/A232,500.00N/AN/A
2021-02-28228,337.14N/A227,800.00206,500.00N/A
2021-01-31227,715.90N/A226,800.00204,500.00N/A
2020-12-31225,091.21N/AN/A202,500.00185,000.00
2020-11-30222,842.94N/AN/A200,000.00185,000.00
2020-10-31214,666.04N/AN/A197,500.00183,000.00
2020-09-30204,682.58N/AN/A194,500.00181,000.00
2020-08-31201,778.14N/AN/A191,000.00179,000.00
2020-07-31192,245.02N/AN/A187,500.00177,000.00
2020-06-30183,668.26N/AN/AN/A175,000.00
2020-05-31176,520.22N/AN/AN/A172,000.00