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Personal KPI Report Card

A simple, repeatable checklist to keep your finances on track year after year.

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How To Use This Report Card

At work, your performance is measured through KPIs. They cut through the noise and show you what actually matters for success. Your finances work the same way.

This report card translates the KPI structure you already know into a simple system for managing income, equity, taxes, cash, and investments.

When your financial life looks the same year after year, it’s easy to wonder whether you’re making progress. These eight KPIs give you clarity. If you check off seven of them each year, you stay firmly on track for long-term financial independence.

Personal KPI Report Card

A quick, plain-English check-in on the money moves we see high earners miss.
1

Is your pay growing year over year?

We’re looking for ~10% year-over-year income growth.

We use your W-2 income as a simple baseline. Growth isn’t everything, but it’s a useful signal.
Growth: —
10% target: —
Incomplete
2

Do you have a target price for your company stock?

We pull the 52-week range and compare your target price.

A target price is just a decision rule. It helps avoid the ‘I’ll decide later’ trap.
52W Low: —
52W High: —
Midpoint: —
As of: —
Incomplete
3

When RSUs vest, how much do you actually keep and save?

We estimate after-tax cash and a savings target.

This is intentionally simple. We’re aiming for clarity: what hits your account, and what we want to keep.
After-tax RSUs (estimate): —
Save/invest target (year): —
Auto amount (month): —
Incomplete
4

Are you doing a tax forecast and a tax funding plan?

This is how we avoid April surprises.

Most people don’t do this unless they have proactive planning. That’s the point of asking.
Incomplete
5

Are your credit cards paid in full each month?

Carrying a balance is a drag on everything else.

This is one of the fastest ‘leaks’ we see. Fixing it often frees up investing cash.
Incomplete
6

Are you maxing out the big retirement accounts?

Check off what you’ve done this year.

We’re not judging. This just highlights easy wins that many people skip.
You checked 0/5. We usually want 3+ checked for this to feel solid.
Incomplete
7

Do you have the right amount of cash on hand?

We use 10% of your 2025 W-2 as a starting target.

This isn’t a rule for everyone. It’s a default. We adjust based on lifestyle, taxes, and upcoming plans.
Target cash (10% of 2025 W-2)
Over/under target
Incomplete
8

When new cash shows up, do you know what happens next?

The goal is to avoid “whoa, there’s $250k sitting there.”

Our default flow: confirm cash target, set aside taxes, cover the next 12 months, then invest the rest.
Incomplete
0/8
Overall score

How scoring works

KPI #1
Pass if 2025 W-2 is 10%+ higher than 2024 W-2.
KPI #2
Pass if we have a target price and it’s at or above the 52-week midpoint.
KPI #3
Pass if we’re aiming to save/invest at least 50% of after-tax RSU cash.
KPI #4
Pass if we’ve done a tax forecast and we know how we’ll fund taxes if owed.
KPI #5
Pass if credit cards are paid in full each month.
KPI #6
Pass if 3+ retirement items are checked off.
KPI #7
Pass if cash is within 75%–125% of 10% of 2025 W-2.
KPI #8
Pass if we have a plan and we check at least 3 of the 4 boxes (automation is a bonus).
Market data disclaimer
Stock price information shown here is provided for educational and illustrative purposes only. 52-week high and low values are pulled from third-party market data sources and may be delayed, estimated, or subject to data limitations. Prices may differ from those shown by brokerage platforms or financial news sites. This tool does not provide investment advice and should not be used as the sole basis for trading or financial decisions. Always verify market data independently before acting on it.