$198,851. This is the figure I came up with. Luckily for us we don't carry any credit card debt. Other than our mortgage we don't have any balances to carry each month. (Both my wife and I are lucky to never have had credit card debt and owe our current finiancial situation in large part to this.)
We expect to break the $200k barrier either this month or next depending on how the stock market goes.