Financial Dashboard
Live summary β update your numbers in Income & Expenses tab, then everything recalculates.
Monthly Surplus
β
Salary + Rental β Expenses
Dec Agricultural Bonus
$30,000
Annual lump sum in Dec
Liquid Assets
$78,052
Available now
Net Position
$73,000
Liquid minus all debts
β
Bank-verified: strong monthly surplus of ~$3,416/mo
Verified from KT TL + ENBD CC transactions: income $5,558/mo β expenses ~$2,142/mo = +$3,416/mo ($41K/yr). No Dubai utilities (confirmed pass-through). December 2026 brings $100K agri + $28K investment return + $11,172 court award (41,000 AED, case won β
). From 2027: +$2,917/mo agricultural recurring income.
ANNUAL TOTAL
β
Goal Readiness
π Skaray House--
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π New Car--
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π¦ Emergency Fund--
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Monthly Cash Flow
Passive Income Tracker
Current Passive
$1,618/mo
Rental $1,210 + Car rent $408 (verified β
)
From 2027 (recurring agri)
$4,535/mo
+$2,917/mo agri Β· Already exceeds $2,500 target β
2031 Projection
$6,500/mo
3 properties + agri + consulting
Key Milestones β 2026 to 2031
Income & Expenses
Update your current YTD numbers. All calculations across every tab update automatically.
π° Monthly Income
Regular Income
UK Salary β Nuvonic Ltd (formerly Hanovia) β VERIFIED
GBP invoices from Nuvonic/Hanovia Ltd land in Geylani Consultancies GBP account monthly. Verified FebβAug 2026 avg β Β£2,574/mo (~$3,424). $3,790 = gross incl. variable components. Note: you owe Hanovia Β£1,194.39 from Jul 2026 expense claim β clear from KT GBP account.
$
AdapazarΔ± Rental Income β ONGOING
56,000 TL/mo confirmed Oct 2026 (units: 24K+24K+8K) Γ $0.02034 = $1,139/mo. Tenants still active β income unaffected by family relocation to Jordan. Feb 2027: +25β30% planned.
$
Agricultural Returns Annual β paid Dec
Dec 2026: $100K one-time lump sum expected. Note: 465,000 TL received JunβJul 2026 from NΓΌbΓΌvvet MirasΔ± DerneΔi = pass-through project funds, NOT the agri income (balance returned to zero). True agri income arrives Dec 2026. From 2027: ~$35K/year (~$2,917/mo) recurring passive income.
$/yr
Dubai Car Rental Income Jul 2026 β Jun 2028
1,500 AED/month Γ· 3.67 = ~$408/mo for 2 years. Set to $0 after June 2028.
$
Mouad Repayment β OCT DELAYED β due before Nov 5
2,000 AED/month Γ $0.2725 = $545/mo for 2 years (24 payments total). Covers Mouad's visa costs + car financing. ~2 payments received so far (~22 remaining). Oct 2026 payment delayed β promised before Nov 5. Paid ~24th of each month to ENBD.
$
Consulting Income
Engineering / MBA / Coaching / KonMari
$
Other Income
Any additional sources
$
TOTAL MONTHLY INCOME
$7,434
TRUE MONTHLY SURPLUS (no agri)
β
DECEMBER BONUS (agricultural)
β
β οΈ Plan your months on the TRUE monthly figure β use December bonus for big purchases/savings.
One-Time Inflows (YTD 2026)
Dubai Car (One-Time Sale) Done β
Car rented out instead β monthly income tracked above. No lump-sum sale.
$
Case Win β Dubai Court β
Won β Pending Collection
41,000 AED = ~$11,172. Case won. Will be received when you travel to UAE. Update to 11172 when collected.
$
Project Investment Profit Received β
10% on $19K = $1,900 β already in liquid assets
$
πΈ Monthly Expenses
Housing
Apartment Rent β Irbid, Jordan Active from Sep 10, 2026
Furnished apartment in Irbid, Amman. 550 JOD/mo Γ $1.4104 = $776/mo. Started Sep 10, 2026. KoΓ City Daire 3 vacated Oct 15 2026.
$
Utilities + Services β MAJOR CHANGE OCT 2026
TURKEY STOPPED Oct 15: AGDAΕ $0 Β· SASKI $0 Β· SEPAΕ $0 Β· TΓΌrktelekom $0 (line cancelled). Turkcell: 3 basic lines (Enes+Ala+Hasna) ~$10/mo, HΓΌseyin's line cancelled. JORDAN: utilities TBD (newly moved). Estimate: ~$10/mo until Jordan bills confirmed.
$
Children's Education
School fees β Salam (Jordan) β CHANGED OCT 2026
Salam only: 1,300 JOD/yr Γ· 12 Γ $1.4104 = $153/mo (school + transport, Jordan). HΓΌseyin: no school β medical treatment only. Al Hassan: university, self-managing β $0 regular (occasional lump sum if needed).
$
Living Costs
Food & Life Expenses β VERIFIED (combined)
KT TL debit annual avg: $67/mo food + $12/mo groceries = $79/mo debit-only. Aug was a travel month (atypically high). KT credit card adds family restaurant/grocery spending. The $880 estimate covers the full family food budget including KT CC β reasonable. Update when KT CC is fully parsed.
$
Transport & Car Fuel β CC-VERIFIED
KT TL debit: $17/mo fuel. KT CC: $32/mo additional fuel = combined $49/mo fuel. Plus ENBD CC RTA/parking $7/mo + travel/hotel $19/mo recurring (Emirates UAE trip was one-off $793). Car registration (NAKΔ°L VASITALARI) $208 one-time. Total transport/travel: ~$110/mo normalized. AKGUN OTOMOBΔ°L 33,219 TL + GΓMRΓKΓNΓ 13,410 TL = company-reimbursed, not personal.
$
Property Management β VERIFIED
AdapazarΔ± building: site/communal fees $166/mo + gas/water $99/mo = $265/mo verified from KT TL. SGK social security $35/mo additional.
$
β Son's Medical Treatment ONGOING MONTHLY
Full comprehensive treatment program with dedicated team in Jordan. ~1,500 JOD/month Γ $1.4104 = $2,115/mo ongoing. Started Sep 2026. Duration TBD β update when treatment plan concludes.
$
Other (subscriptions, misc) β PARTIALLY CHANGED β Jordan
Active: Google/YouTube $16 Β· ChatGPT $14 Β· land taxes Turkey $28/mo avg Β· SGK Turkey $35 Β· bank fees $8. Paused/stopped in Jordan: cleaning service $18 Β· pets $11 (Turkey). Trendyol/clothing/home reno now reduced. Adjust as Jordan pattern emerges.
$
Family Household Transfers β BANK VERIFIED
β Ala Geylani (household transfers) β VERIFIED
Bank-verified: 257,500 TL over 13 months = $5,382 total. Covers household cash, her personal expenses, groceries, and family needs. Average $414/mo. (AugβOct 2025, JanβApr 2026, Jul 2026 payments confirmed in KT TL.)
$
β Hasan Geylani (education + CC) β VERIFIED
Bank-verified: direct transfers 50,428 TL ($1,054) + CC payments 60,500 TL ($1,264) = $2,318 over 13 months. Includes B2/C1 English at Sakarya Uni (24,000 TL Sep 2025), IELTS (5,000 TL Jan 2026), Eid gifts, pocket money. Average $178/mo combined.
$
TOTAL MONTHLY EXPENSES
$4,093
π³ Debts & Liquid Assets β update these whenever you check your accounts
π¦ Emirates NBD β Credit Cards (AED outstanding) β
PAID IN FULL EVERY MONTH β no interest ever
βΉοΈ CC balances shown are current cycle only β settled in full before due date. No revolving debt, no interest charges.
ENBD Credit Card AED 9,668.84
AE59 Β· Limit AED 200,000 Β· Current cycle balance β paid in full monthly. Enter USD equiv (AED Γ· 3.67)
$
Other UAE Credit Card / Loan
Any other ENBD or UAE debt
$
πΉπ· Turkey Accounts (TL Γ $0.0209 β rate Aug 12, 2026) β
CC SETTLED IN FULL MONTHLY
Your KT Credit Card 21,261 TL
21,261 TL Γ $0.0209 = $444. Current cycle only β settled in full before due date. No interest ever.
$
Son's Credit Card 10,000 TL
10,000 TL Γ $0.0209 = $209 (was $220 at old rate)
$
Wife Ala's Credit Card PAID β
25,000 TL β paid off July 2026 β $0
$
Brother Loan (SAR 10,000)
SAR Γ 0.267 = USD
$
Jihad Kaloty & Mohamed Omar β moved to Assets (Loans Receivable) β
These are money owed TO you β see Loans Receivable section in Assets above.
β ASSETS
Nuvonic/Hanovia Expense Liability Jul 2026 Claim
Company paid Β£1,511.60 on your behalf; Β£1,365.92 personal portion deducted. You owe Hanovia Β£1,194.39 = ~$1,588. Clear promptly from GBP account.
$
Other Debts
$
TOTAL DEBTS
β
π¦ Emirates NBD β Current Accounts (fill from app)
ENBD AED Current Account
AE59 Β· Current bal: AED 0 β $0
$
ENBD GBP Account
AE56 Β· Current bal: 0.00 GBP
$
ENBD USD Account
AE83 Β· Current bal: 0.00 USD
$
π’ Geylani Consultancies Account (ENBD Business)
Geylani Consultancies β AED Balance β VERIFIED Aug 3
Verified Aug 3, 2026: 60,082.20 AED ($16,362) β above AED 50,000 minimum β
. No fee. Last credit: GBP 3,958.40 @ 4.80447 = AED 19,018.01 on Aug 3.
$
Geylani Consultancies β GBP / USD / EUR
Currently 0 in all foreign currencies
$
πΉπ· Kuveyt TΓΌrk Accounts
KT β TL Account (96783562-1 Β· AdapazarΔ±)
Available: 81,460 TL Γ $0.0209 = $1,703 (was $1,792 at old rate) Β· Balance 94,442 TL, ~12,982 TL reserved
$
KT β USD Account (96783562-101 Β· AdapazarΔ±)
Balance = Available: $20,494.00
$
KT β GBP Account (96783562-108 Β· Erenler)
Β£11,244 Γ $1.348 = $15,157 (was $14,955 at old rate). GBP strengthened vs USD.
$
KT Total (USD equiv)
$37,241
Other Accounts & Assets
UK Personal Account (GBP)
Enter USD equivalent
$
IB Stock Portfolio
Interactive Brokers β can sell anytime
$
Gold (Emergency Reserve) π UP +109%
~500g Γ $140/g = $70,000 (was $33,500 at $67/g in May 2026). Gold surged to $140.52/g as of Aug 12, 2026. Gain: +$36,500 on your holding.
$
Other Cash / Savings
$
π₯ Loans Receivable (owed TO you)
Jihad Kaloty loan RECEIVABLE
$116 USD + 13,320 TL (Γ $0.0209 = $278) = $394 total. You are the loaner β this is money owed TO you.
$
Mohamed Omar loan RECEIVABLE
$405 USD owed to you.
$
TOTAL LIQUID ASSETS
β
π Deployed Investments (NOT liquid β returns Dec 2026)
Joint Investment β 38.8% share Locked
Capital sourced from Yalova house sale proceeds. Total pool: $65,775 Β· Your share (38.8%): $25,521 Β· 10% min profit β returns $28,073 Dec 2026
$
Expected Dec 2026 profit (10% on your share)
$25,521 Γ 10% = $2,552 β update if rate changes
$
β οΈ This $25,521 is already deployed β it is not included in your liquid assets above. It returns as $28,073 in December 2026, boosting your house purchase fund alongside the $100K agricultural income.
π
Total Cash Events β H2 2026 (projected)
Agricultural income lump sum (December)
$100,000
Joint investment return (principal + profit, December)
$28,073
π Dubai Court Award (41,000 AED) β
Case won
$11,172
β³ Court award pending β collect when you travel to UAE. Update i-case-win to 11172 when received.
Total potential injection
$139,245
π House Buying Plan
π‘ No bank loans β cash purchase only. The plan tracks when your liquid position covers the full price + closing costs.
House Parameters β Cash Purchase
Target House Price
Skaray house estimate: $150Kβ$200K
$
Closing Costs (est. 4%)
Title, taxes, legal fees β auto-calculated
$7,000
Total Cash Needed
Full price + closing costs
$182,000
Minimum Reserve After Purchase
Cash to keep for emergency / living
$
Total Needed (incl. reserve)
$202,000
Cash Purchase Readiness
Ready to buy
Calculatingβ¦
β
Net Liquid Now (assets β debts)
β
Projected Cash by Dec 2026 +$100K agri
β
Gap to Target
β
Cash Left After Purchase + Reserve
β
Monthly Cash Flow After Purchase
Unchanged β no mortgage payment!
β
Calculating your cash purchase readinessβ¦
π‘ Save Extra for House β Monthly Dedication
Monthly amount dedicated to house savings
From your surplus
$
Current Savings
β
Liquid after debts
Gap to Down Payment
β
Still needed
Months to Save Gap
β
At dedicated rate
π Car Buying Plan
Plan your car purchase without derailing the house goal.
Car Parameters
Target Car Budget
From your plan: $20Kβ$30K
$
Purchase Method
Monthly dedicated to car savings
From your surplus
$
Car Affordability
Can buy car in
Calculatingβ¦
β
Cash Needed
β
Monthly Car Payment (if financed)
β
Impact on House Goal
β
π‘ Tip: Buying cash is best β avoids loan interest and keeps cash flow clean.
Priority Order β House vs. Car
Scenario A: House First, then Car
Scenario B: Car First, then House
Loading recommendationβ¦
π¦ Savings Plan
Allocate your monthly surplus across all goals. Total must not exceed your surplus.
Monthly Surplus Allocation
Available Monthly Surplus
$2,341
Allocate to Goals
π House Down Payment Savings
Priority 1
$
π Car Savings
Priority 2 (after house ready)
$
π¦ Emergency Fund Top-up
Target: $50,000 cash reserve
$
π Investment / Stock Portfolio
Long-term wealth building
$
π Children's Education Fund
Reserve for future costs
$
π§ Consulting Business Setup
Website, marketing, brand
$
πΌ Flexible / Buffer
$
Total Allocated
$2,341
Unallocated (should be 0)
$0
Goal Progress Over Time
Allocation Breakdown
12-Month Savings Projection
| Month | House Fund | Car Fund | Emergency | Investment | Total Saved |
|---|
β
Verification Checks
Automatic checks that flag risks, mistakes, and inconsistencies in your plan.
Financial Health Checks
Critical Decisions Tracker
| Decision | Deadline | Status | Impact |
|---|---|---|---|
| Pay off all debts ($5,055) | July 2026 | Action Needed | Frees ~$100/mo interest |
| Apartment rent β quarterly payments (138,600 TL) | Jul Β· Oct Β· Jan Β· Apr | Active β | $3,049/quarter β budgeted monthly |
| Project Investment Profit received ($1,900) | Done | Received β | Add to liquid assets |
| Receive case win funds ($13,072) | TBC | Not received yet | Do NOT count in liquid until received |
| Activate consulting income | Sept 2026 | Plan | +$500β$2,000/mo |
| Belcik land: Sell or Hold? | July 2027 | Monitor | $70K if sold (30% loss risk) |
| Yalova project closing | Dec 2026 | Monitor | +$2,440 profit |
| Education cost optimization (youngest) | Aug 2026 | Action Needed | Save $4β6K/mo |
| IB Stock β sell or hold? | Now | Decision | $26,500 available |
Currency & Rate Assumptions
| Pair | Rate Used | Last Updated | Risk |
|---|---|---|---|
| TL β USD | 1 TL = $0.0209 (was $0.022 β TL depreciated) | Aug 12, 2026 | High (TL volatile) |
| GBP β USD | 1 GBP = $1.348 (was $1.33 β GBP strengthened) | Aug 12, 2026 | Low |
| AED β USD | 1 AED = $0.272 (unchanged β pegged) | Aug 12, 2026 | Low (pegged) |
| SAR β USD | 1 SAR = $0.267 (unchanged β pegged) | Aug 12, 2026 | Low (pegged) |
| Gold (per gram) | $140/g (was $67/g β +109% gain! 500g = $70,000) | Aug 12, 2026 | Medium β Strong π |
β οΈ Turkish Lira has high volatility β a 10% TL depreciation reduces your rental income and Adapazari asset value in USD terms. Consider this in property valuations.
π
Upcoming β Next 75 Days
Key financial events, payments due, and decisions needed before Jan 15, 2027
π΄ Critical β Nov/Dec 2026
β Son's Medical β Monthly Cost
~$2,115/mo ongoing. Confirm treatment plan duration with doctors.
π
Every month until treatment concludes
π Jordan Apartment β First Utility Bills
Moved Sep 10. First electricity/water/internet bills expected Nov 2026. Update e-utils when received.
π
Due: Nov 2026
πΎ Agricultural Return β December
~$100K expected Dec 2026. Plan: clear all debts (~$7,943), 3-month emergency fund (~$18K), remaining ~$74K to savings/investment.
π
December 2026
πΌ Joint Investment Return
$25,521 principal + $2,552 profit = $28,073 expected Dec 2026. Decide: reinvest vs. withdraw.
π
December 2026
βοΈ Dubai Court Win β Collect
41,000 AED (~$11,172) won. Collect when travelling to UAE. Update i-case-win to 11172 when physically received.
π
Next UAE trip
π Monthly Checklist
Income to Confirm:
π°
UK Salary β Geylani Consultancies ENBD
~$3,790 monthly
ποΈ
AdapazarΔ± Rent β KT TL account
~56,000 TL ($1,139) β 4 tenant transfers
π
Dubai Car Rental β ENBD
1,500 AED ($408)
π΅
Mouad Repayment β ENBD
2,000 AED ($545)
Expenses to Pay:
π
Jordan Apartment β 550 JOD ($776)
Pay by 10th of month
β
Son's Medical β ~1,500 JOD ($2,115)
Ongoing monthly treatment cost
π’
AdapazarΔ± Property Mgmt β $265
Communal fees + building utilities
π± Subscriptions β Keep / Review / Cancel
From 2026 Budget.xlsx Β· IT & Software Expenses Β· Total ~$125/mo
β
Keep β Essential
Microsoft 365
Word, Excel, Teams β work essential
Adobe Acrobat
PDF work, contracts
YouTube Premium
Family use, no ads
Gemini Advanced
AI + Google One storage
iAcademy
Professional development
Duolingo
Language learning
Keep Total: $99.00/mo
β οΈ Review β Reconsider
X / Twitter Blue
Brand presence β still actively using?
KonMari Consultant
$20.83/mo β generating clients?
Strava
Running/fitness β still using in Jordan?
Review Total: $25.87/mo
Keep (essential)$99.00/mo
Review (reconsider)$25.87/mo
TOTAL NOW$124.87/mo
Cancel all "Review" subs β save $25.87/mo = $310/yr
Note: AI Subscriptions
ChatGPT ~$14/mo + Claude are in e-misc. Consider if you need both AI assistants.
π€² Giving & Zakat
From 2026 Budget.xlsx Β· DONATIONS + 2026 Zakat sheets Β· Rule: 5% of income
π Regular Giving (Monthly)
5% of $5,882/mo income = target $294/mo
Parents' Monthly Allowance
Regular family support
Raghad (Family Support)
Track in Raghad Loan tab of Budget.xlsx
Al-Turk Syrian Family
Monthly humanitarian support
Maarij Sakarya
Community/charity in Turkey
βͺοΈ Zakat 2026 β Due Amounts
From 2026 Zakat sheet. 2.5% of nisab-eligible assets.
PayPal Balance$500
UAE (ENBD) Account$2,591
Turkey (KT) Account$8,869
Gold Holdings$82,977
Westanbul Investment$115,469
IBKR Portfolio$43,328
TOTAL ZAKAT DUE 2026
~$6,353
Verify with scholar for any asset-type adjustments.
β Open Questions & Decisions Needed
Unresolved financial decisions β update as each gets answered
π΄ High Priority β Decide Now
Son's Treatment Timeline
How many months will treatment continue? $2,115/mo is the biggest ongoing expense. When can doctors give a prognosis/timeline?
Action: Schedule meeting with medical team
December Windfall β Allocation
~$128K expected ($100K agri + $28K joint inv). Priority: (1) clear all debts ~$7,943 (2) emergency fund ~$18K (3) remaining ~$102K β reinvest in Turkey agri? UK stocks? Jordan property?
Decision needed before December
Jordan Utilities β Real Cost?
First bills not yet received. Currently estimated $10/mo but could be $50-200/mo. Update e-utils when Nov 2026 bills arrive.
Monitor: Nov 2026
π‘ Medium Priority β Plan Within 90 Days
Westanbul β Exit/Horizon?
Multi-round Turkey factory/agriculture project. When is next disbursement? What is the exit strategy and expected total return?
Contact investment group lead
β Mouad β Oct Payment Delayed
24-month plan: 2,000 AED/mo covering visa + car. ~2 payments received, ~22 remaining (~$12,000 outstanding). Oct 2026 not received yet β Mouad promised payment before Nov 5. Normally paid around 24th of each month.
Follow up if not received by Nov 5, 2026
AdapazarΔ± Feb 2027 Rent Increase
+25-30% increase planned. Currently $1,139/mo β will become ~$1,424-$1,481/mo. Give tenants notice in November 2026.
Action needed: November 2026
KonMari β Keep or Cancel?
$20.83/mo membership. Are you actively getting clients? If not, cancel β save $250/yr.
Decision by Dec 2026