diff --git a/README b/README
index fee4c72..d05e50e 100644
--- a/README
+++ b/README
@@ -1,7 +1,5 @@
-NEED to confirm car future
-
-ALLOW SAVE / export, so I can compare this when we get a chance :)
-
+TODO:
+    * need to consider whether we pay GMHBA / HCF at what cadence and include it in calcs better
 
 to run:
 
diff --git a/calc.py b/calc.py
index 2469a5a..c046472 100644
--- a/calc.py
+++ b/calc.py
@@ -24,10 +24,11 @@ def calculate_savings_depletion(finance):
     TLS_price = finance['TLS_price']
     CBA_price = finance['CBA_price']
 
-    # leave in days, 10 business days to a fortnight, salary is per fortnight, and we lose 37% to tax
-    # (assuming we don't earn over $180k)
-    # if we could stretch this to July 2026, then would be more (due to less tax)
-    D_leave_after_tax = (D_leave_owed_in_days/10) * D_Salary;
+    # leave in days, 10 business days to a fortnight, 
+    # paid before tax I earn $7830.42 / fortnight.  Tax on that will be at 37% or $4933.16 after tax
+    #   if we could stretch this to July 2026, then would be more (due to less tax)
+    after_tax_extra_leave_per_fortnight = 4933.16
+    D_leave_after_tax = (D_leave_owed_in_days/10) * after_tax_extra_leave_per_fortnight;
 
     # Constants for interest calculations
     annual_interest_rate = Interest_Rate / 100.0
diff --git a/db.py b/db.py
index e4e332a..ff0ab9b 100644
--- a/db.py
+++ b/db.py
@@ -41,7 +41,7 @@ def init_db():
         cur.execute('''INSERT INTO finance (D_Salary, D_Num_fortnights_pay, School_Fees, Car_loan_via_pay, Car_loan, Car_balloon, Living_Expenses, Savings, Interest_Rate,
                         Inflation, Mich_present, Overseas_trip, Mark_reno, D_leave_owed_in_days, D_TLS_shares, M_TLS_shares, D_CBA_shares, TLS_price, CBA_price, Overseas_trip_date, Mark_reno_date, Sell_shares)
                         VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)''', 
-                    (4762.29, 6, 22000, 620, 1001.12, 45824.68, 78000, 412000, 5.0, 3.9, 10000, 32000, 10000, 90.6, 1000, 750, 1095, 3.99, 160.61, '2025-06-01', '2025-09-01', 5))
+                    (4762.29, 6, 22000, 620, 1001.12, 45824.68, 83000, 412000, 5.0, 3.9, 10000, 32000, 10000, 90.6, 1000, 750, 1095, 3.99, 160.61, '2025-06-01', '2025-09-01', 6))
     # NOTE: 1001.12 car-pay -- is 1017.99 (actual rate) - 16.87 (car park)
     # NOTE: o/s trip.  ~ $4kpp flights x3, then ~$3k / week in barcelona accom, $100pp/pd for food ($2k), + spending money
     conn.commit()
@@ -55,6 +55,16 @@ def get_finance_data():
     conn.close()
     return dict(finance)
 
+def get_budget_data(finance_data, CBA, TLS):
+    # annual bills - health ins (5k), rates (2.4), electricity (1.5), gas (2), internet (1.6), car insurance (.7), rego (.8), house insurance (2.4), GFC (2.2), phones (.5), melb. pollen (.03), nabu casa (.1), eweka (.1)  --- noting phone is elevated presuming I also go onto Aldi plan, but that there is no family discount
+    bills = 19330
+    BUDGET=[]
+    BUDGET.append( ('Bills', f"${bills:,.2f}") )
+    BUDGET.append( ('Buffer', f"${CBA*finance_data['CBA_price']+TLS*finance_data['TLS_price']:,.2f}") )
+    BUDGET.append( ('Monthly budget', f"${((finance_data['Living_Expenses']-12000) / 12):,.2f}" ) )
+    BUDGET.append( ('Weekly budget', f"${((finance_data['Living_Expenses']-12000) / 52):,.2f}" ) )
+    return BUDGET
+
 def update_finance(data):
 
     conn = connect_db()
diff --git a/finance.db b/finance.db
index 63d77f7..b31179c 100644
Binary files a/finance.db and b/finance.db differ
diff --git a/finance_data_snapshot-31-01-2025.csv b/finance_data_snapshot-31-01-2025.csv
new file mode 100644
index 0000000..1f4c83a
--- /dev/null
+++ b/finance_data_snapshot-31-01-2025.csv
@@ -0,0 +1,29 @@
+   2025-Date,2025-Value,2026-Date,2026-Value,2027-Date,2027-Value,2028-Date,2028-Value,2029-Date,2029-Value,2030-Date,2030-Value,2031-Date,2031-Value
+   2025-02-05,414887.73,2026-01-07,374779.5,2027-01-06,262498.3,2028-01-05,219760.58,2029-01-03,171153.2,2030-01-02,116169.68,2031-01-01,32136.61,,Bills,"$19,330.00",,Variable,Value
+   2025-02-19,415836.12,2026-01-21,370468.42,2027-01-20,259056.92,2028-01-19,216182.55,2029-01-17,167433.11,2030-01-16,112301.89,2031-01-15,28269.95,,Buffer,$0.00,,D_Salary,4762.29
+   2025-03-05,418367.1,2026-02-04,367735.83,2027-02-03,256717.17,2028-02-02,213523.9,2029-01-31,163713.02,2030-01-30,108434.09,2031-01-29,24248.59,,Monthly
+   budget,"$5,916.67",,D_Num_fortnights_pay,6
+   2025-03-19,419305.1,2026-02-18,363413.99,2027-02-17,253264.6,2028-02-16,209934.25,2029-02-14,160692.72,2030-02-13,105031.25,2031-02-12,20334.57,,Weekly
+   budget,"$1,365.38",,School_Fees,22000
+   2025-04-02,422012.43,2026-03-04,360488.77,2027-03-03,250783.27,2028-03-01,206344.6,2029-02-28,156960.54,2030-02-27,101150.88,2031-02-26,16300.14,,,,,Car_loan_via_pay,620
+   2025-04-16,467253.33,2026-03-18,356156.14,2027-03-17,247319.48,2028-03-15,203577.26,2029-03-14,153831.92,2030-03-13,97659.91,2031-03-12,12329.53,,,,,Car_loan,1001.12
+   2025-04-30,463037.5,2026-04-01,351823.5,2027-03-31,243855.69,2028-03-29,199975.94,2029-03-28,150087.61,2030-03-27,93766.93,2031-03-26,8281.98,,,,,Car_balloon,45824.68
+   2025-05-14,460631.46,2026-04-15,348996.24,2027-04-14,241431.71,2028-04-12,197227.75,2029-04-11,146984.46,2030-04-10,90275.82,2031-04-09,4273.14,,,,,Living_Expenses,83000
+   2025-05-28,456405.19,2026-04-29,344652.78,2027-04-28,237956.66,2028-04-26,193614.73,2029-04-25,143227.98,2030-04-24,86370.19,,,,,,,Savings,412000
+   2025-06-11,422125.83,2026-05-13,341734.41,2027-05-12,235462.37,2028-05-10,190799.91,2029-05-09,140062.51,2030-05-08,82821.76,,,,,,,Interest_Rate,5.0
+   2025-06-25,417889.08,2026-05-27,337380.09,2027-05-26,231976.03,2028-05-24,187175.14,2029-05-23,136293.82,2030-05-22,78903.44,,,,,,,Inflation,3.9
+   2025-07-09,451750.54,2026-06-10,334466.85,2027-06-09,229477.84,2028-06-07,184347.87,2029-06-06,133106.4,2030-06-05,75322.5,,,,,,,Mich_present,10000
+   2025-07-23,447503.27,2026-06-24,330101.63,2027-06-23,225980.16,2028-06-21,180711.33,2029-06-20,129325.47,2030-06-19,71391.44,,,,,,,Overseas_trip,32000
+   2025-08-06,445162.62,2026-07-08,363397.17,2027-07-07,259710.84,2028-07-05,214116.72,2029-07-04,162375.12,2030-07-03,82530.95,,,,,,,Mark_reno,10000
+   2025-08-20,440904.8,2026-07-22,359021.02,2027-07-21,256201.8,2028-07-19,210468.35,2029-07-18,158581.9,2030-07-17,78587.12,,,,,,,D_leave_owed_in_days,90.6
+   2025-09-03,428524.06,2026-08-05,356175.3,2027-08-04,253782.55,2028-08-02,207715.12,2029-08-01,154788.67,2030-07-31,74643.29,,,,,,,D_TLS_shares,1000
+   2025-09-17,424255.66,2026-08-19,351788.17,2027-08-18,250262.11,2028-08-16,204054.9,2029-08-15,151657.7,2030-08-14,71021.28,,,,,,,M_TLS_shares,750
+   2025-10-01,419987.25,2026-09-02,348899.23,2027-09-01,246741.66,2028-08-30,200394.68,2029-08-29,147852.15,2030-08-28,67064.63,,,,,,,D_CBA_shares,1095
+   2025-10-15,417454.7,2026-09-16,344501.1,2027-09-15,244273.6,2028-09-13,197589.68,2029-09-12,144678.6,2030-09-11,63396.8,,,,,,,TLS_price,3.99
+   2025-10-29,413175.68,2026-09-30,340102.97,2027-09-29,240741.72,2028-09-27,193917.56,2029-09-26,140860.68,2030-09-25,59427.29,,,,,,,CBA_price,160.61
+   2025-11-12,410660.56,2026-10-14,337111.91,2027-10-13,238202.3,2028-10-11,191045.16,2029-10-10,137624.31,2030-10-09,55704.53,,,,,,,Overseas_trip_date,2025-06-01
+   2025-11-26,406370.89,2026-10-28,322702.74,2027-10-27,234658.94,2028-10-25,187361.11,2029-10-24,133793.99,2030-10-23,51722.12,,,,,,,Mark_reno_date,2025-09-01
+   2025-12-10,381758.47,2026-11-11,319692.08,2027-11-10,232115.41,2028-11-08,184475.65,2029-11-07,130534.62,2030-11-06,47961.98,,,,,,,Sell_shares,6
+   2025-12-24,377458.1,2026-11-25,270448.27,2027-11-24,228560.53,2028-11-22,180779.63,2029-11-21,126691.85,2030-11-20,43966.63,,,,,,
+   ,,2026-12-09,268232.01,2027-12-08,225946.99,2028-12-06,177828.21,2029-12-05,123371.23,2030-12-04,40153.28,,,,,,
+   ,,2026-12-23,264801.78,2027-12-22,222380.56,2028-12-20,174120.17,2029-12-19,119515.97,2030-12-18,36144.95,,,,,,
diff --git a/main.py b/main.py
index df8c642..a5e8149 100644
--- a/main.py
+++ b/main.py
@@ -1,7 +1,7 @@
 # main.py
 from flask import Flask, render_template, request, redirect, url_for, Response
 from calc import calculate_savings_depletion
-from db import init_db, get_finance_data, update_finance
+from db import init_db, get_finance_data, update_finance, get_budget_data
 from collections import defaultdict
 from datetime import datetime
 import csv
@@ -16,16 +16,10 @@ init_db()
 def index():
     finance_data = get_finance_data()
     depletion_date, savings_per_fortnight, final_savings, TLS, CBA = calculate_savings_depletion(finance_data)
+    BUDGET=get_budget_data(finance_data, CBA, TLS)
     if depletion_date:
         depletion_date=depletion_date.date(); # just show date
 
-    # annual bills - rates (2.4), electricity (1.5), gas (2), internet (1.6), car insurance (.7), rego (.8), house insurance (2.4), GFC (2.2), phones (.5), melb. pollen (.03), nabu casa (.1), eweka (.1)  --- noting phone is elevated presuming I also go onto Aldi plan, but that there is no family discount
-    bills = 14330
-    BUDGET=[]
-    BUDGET.append( ('Bills', f"${bills:,.2f}") )
-    BUDGET.append( ('Buffer', f"${CBA*finance_data['CBA_price']:,.2f}") )
-    BUDGET.append( ('Monthly budget', f"${((finance_data['Living_Expenses']-12000) / 12):,.2f}" ) )
-    BUDGET.append( ('Weekly budget', f"${((finance_data['Living_Expenses']-12000) / 52):,.2f}" ) )
     return render_template('index.html', finance=finance_data, depletion_date=depletion_date, savings=savings_per_fortnight, TLS=TLS, CBA=CBA, BUDGET=BUDGET)
 
 @app.route('/update', methods=['POST'])
@@ -65,6 +59,7 @@ def download_csv():
 
     finance_data = get_finance_data()
     depletion_date, savings_per_fortnight, final_savings, TLS, CBA = calculate_savings_depletion(finance_data)
+    BUDGET=get_budget_data(finance_data, CBA, TLS)
 
     # Group data by year
     data_by_year = defaultdict(list)
@@ -78,6 +73,10 @@ def download_csv():
     # Sort years for column ordering
     years = sorted(data_by_year.keys())
 
+    # get finance data into a list for spitting out during csv last column dump
+    fd_lst = list(finance_data.items())
+    fd_lst[0]=('Variable', 'Value')
+
     # Create an in-memory output file
     output = io.StringIO()
     
@@ -91,6 +90,7 @@ def download_csv():
     writer.writerow(header)
 
     # Write the data rows
+    cnt=0
     for i in range(max_entries_per_year):
         row = []
         for year in years:
@@ -100,8 +100,26 @@ def download_csv():
                 row.extend([date, value])
             else:
                 row.extend(["", ""])  # If no data for this year, leave blank cells
+
+        # spacer
+        row.extend([""]) 
+
+        # now add budget data
+        if cnt < len(BUDGET):
+            row.extend( BUDGET[cnt] )
+        else:
+            row.extend(["", ""])  # If no data for this year, leave blank cells
+
+        # spacer
+        row.extend([""]) 
+
+        # now add reference data
+        if cnt < len(fd_lst):
+            row.extend(fd_lst[cnt])
         writer.writerow(row)
 
+        cnt += 1
+
     csv_data = output.getvalue()
 
     # Create a Flask Response object, with CSV mime type and downloadable as a file
diff --git a/templates/index.html b/templates/index.html
index b991616..728f27c 100644
--- a/templates/index.html
+++ b/templates/index.html
@@ -5,6 +5,7 @@
     <meta name="viewport" content="width=device-width, initial-scale=1.0">
     <link href="https://cdn.jsdelivr.net/npm/bootstrap@5.3.0-alpha1/dist/css/bootstrap.min.css" rel="stylesheet">
     <title>Finance Form</title>
+    <script src="https://code.jquery.com/jquery-3.7.1.min.js" integrity="sha256-/JqT3SQfawRcv/BIHPThkBvs0OEvtFFmqPF/lYI/Cxo=" crossorigin="anonymous"></script>
 </head>
 <body>
     <div class="container-fluid">
@@ -167,6 +168,22 @@
                     <input type="number" class="form-control text-end float-end bg-light" id="TLS_shares" value="{{TLS}}" readonly>
                 </div>
             </div>
+            <div class="col-1">
+                <button type="button" class="btn btn-primary" onClick="
+                    $.ajax( { type: 'GET', url: '/download_csv', xhrFields: { responseType: 'blob' },
+                        success: function(res){ 
+                        // Create a link element
+                        const link = document.createElement('a');
+                        const url = window.URL.createObjectURL(res);
+                        link.href = url;
+                        link.download = 'finance_data.csv'; // Set the file name
+                        document.body.appendChild(link);
+                        link.click();
+                        document.body.removeChild(link);
+                        window.URL.revokeObjectURL(url); // Clean up the object URL
+                        console.log('done') } })
+                    "> Export to CSV </button>
+            </div>
         </div>
     </form>
 </div>