CORPO CACHE_

Getting Started

CorpoCache is a browser-based financial tracking tool that stores your data locally. When you first open the application, you'll see several sections to help you manage different aspects of your finances.

Data Management

At the top of the page, you'll find several buttons:

• Save: Manually saves your data to local storage
• Export: Exports your data as a JSON file for backup
• Import: Imports previously exported data or sample data
• Reset: Clears all stored data
• Help: Opens this documentation

Credit Cards

The Credit Cards section helps you track your credit accounts and utilization. Start here to automatically populate your monthly bills with credit card payments.

Adding a Credit Card

1. Click the Add Card button
2. Fill in the details:
   • Card Name: Name of the credit card
   • Credit Limit: Maximum credit available
   • Current Balance: Amount currently owed
   • Date Opened: When you opened the account
   • Payment Due Date: Day of the month when payment is due
3. Click Save Card

Credit Card Features

• The app calculates your total credit limit, balance, and utilization
• Shows how much to pay to reach 30% and 10% utilization targets
• Tracks your oldest credit line for credit age calculations
• Provides a color-coded guide for credit factors

Loans

The Loans section helps you track various types of loans. Add your loans early to automatically populate your monthly bills with loan payments.

Adding a Loan

1. Click the Add Loan button
2. Fill in the details:
   • Loan Name: Name of the loan
   • Loan Type: Category (personal, auto, mortgage, etc.)
   • Original Loan Amount: Initial borrowed amount
   • Current Balance: Amount currently owed
   • Interest Rate: Annual percentage rate
   • Loan Term: Length of the loan in months
   • Payment Due Date: Day of the month when payment is due
   • Additional Principal Payment: Extra payment toward principal
   • For mortgages: PMI, property tax, and insurance information
3. Click Save Loan

Loan Features

• Progress bar shows overall payoff progress across all loans
• Calculates total monthly payment required

Monthly Bills

The Monthly Bills section helps you track recurring expenses. Credit card and loan payments will automatically appear here after you add them in their respective sections.

Adding a Bill

1. Click the Add Bill button at the top right of this section
2. Fill in the details:
   • Bill Name: Name of the bill
   • Amount: Payment amount
   • Bill Type: Category of the bill
   • Payment Account: Select whether the bill is paid from your Checking Account or Credit Card
   • Credit Card: If "Credit Card" is selected as payment account, choose which specific card the bill is charged to
   • Varying amount due: Check this if the bill amount changes monthly
   • Set up autopay: Indicate if the bill is on automatic payment
   • Due Date: Day of the month when payment is due
3. Click Save Bill

Managing Bills

• Mark as Paid: Click anywhere on a bill card to mark it as paid
• Edit: Click the edit icon (pencil) on a bill card
• Delete: Click the delete icon (trash) on a bill card
• Payment Account: Each bill card displays whether it's paid from Checking Account or a specific Credit Card

Payment Account System

• Bills can be assigned to either your Checking Account or a Credit Card
• All bills are included in the bill count, but bills charged to credit cards have their amounts excluded from Monthly Bills totals and net profit calculations
• By default, credit cards and loans are set to use Checking Account as their payment source
• To accurately track spending, assign each bill to the correct payment account

Handling Varying Amount Bills

When a bill is marked as "Varying Amount Due":

1. Click anywhere on the bill card to mark it as paid
2. A dialog will appear asking for the actual amount
3. Enter the actual amount for this month's payment
4. Click "Save Payment" to record the payment
5. The bill will be marked as paid with the updated amount

Complete Month

When you've paid all your bills for the month:

1. Click the Complete Month button
2. Confirm to reset all bills to "unpaid" for the next month

Salary Calculator

The Salary Calculator helps you determine take-home pay after taxes and deductions.

Using the Salary Calculator

1. Click the Calculate Salary button
2. Fill in the details:
   • Annual Gross Salary: Your pre-tax yearly income
   • Pay Frequency: Semi-monthly (24 pay periods) or bi-weekly (26 pay periods)
   • First Paycheck Date or Last Paycheck Date: When you get paid
   • Bonus Percentage: Expected annual bonus percentage
   • Bonus Tax Rate: Withholding rate for bonuses
   • Tax Filing Status: Single, married, or head of household
   • State: Your state of residence for tax calculations
   • 401k Contribution: Percentage of salary for retirement
   • ESPP Contribution: Percentage for employee stock purchase plan
   • Insurance Costs: Health, dental, vision, and FSA contributions
3. Click Calculate

Salary Results

• Shows annual salary and potential bonus
• Breaks down gross pay, taxes, and deductions
• Calculates net pay per paycheck
• Displays federal tax brackets for reference

Net Profit Calculator

The Net Profit Calculator shows your monthly and annual cash flow based on your salary and bills.

Using the Net Profit Calculator

1. First, complete the Salary Calculator
2. Click the Update Profit button
3. Review your monthly cash flow:
   • Monthly net income versus bills (amounts of bills charged to credit cards are excluded)
   • Surplus/deficit for each paycheck
   • Annual projection including potential bonus

Data Management

Saving Your Data

• Data is automatically saved to your browser's local storage
• Click the Save button to manually save at any time

Exporting Data

1. Click the Export button
2. Save the JSON file to your computer

Importing Data

1. Click the Import button
2. Choose between:
   • Select File: Upload a previously exported file
   • Import Sample Data: Load pre-configured example data
3. Confirm the import action

Resetting Data

1. Click the Reset button
2. Confirm that you want to delete all data