Starting point

Financial Health Check

See where you stand before deciding where your money should go next.

Private by design. Your entries and results stay in this browser page. They are not saved or sent to a server.

Your current numbers

Use one currency throughout. No exchange conversion is applied.

Display currency

01 · Monthly cash flow

Usable monthly incomeIncome available after deductions. Include interest or dividends paid out for spending; exclude reinvested income and unrealized gains. Investment income is not added automatically.Essential monthly expensesRent, food, utilities, transport and other needs. Enter mortgage principal and interest under debt payments; count each cost only once.Lifestyle / discretionary expensesDining out, entertainment, travel, subscriptions and other wants.Monthly debt paymentsRequired loan and mortgage principal-and-interest payments. Keep housing taxes, insurance and fees in the appropriate expense field; do not count spending again when paying a card bill.Annual irregular expensesInsurance, repairs, medical costs, fees and other non-monthly spending.Emergency savingsAccessible cash reserved for unexpected costs or lost income. Include this cash in total assets too; exclude it from invested assets.

02 · What you own and owe

Total assetsCurrent value of everything you own, including emergency savings and invested assets. Count each asset once and enter debts separately.Total liabilitiesCredit cards, loans, mortgages and other obligations.Invested assetsThe portion of total assets intended to fund long-term spending. Exclude emergency cash and your home unless you plan to use its value for that spending.

03 · Your planning assumptions

Expected spending after debt is repaidExpected essential and lifestyle spending after debt ends. If spending stays the same, $2,200 + $400 = $2,600. Exclude debt payments and annual irregular expenses; include ongoing housing costs.Emergency fund target

months

Withdrawal-rate assumption

Your financial starting point

Monthly gap

$1,800.00

Current outflow $3,200.00 · Saving rate 36%

Net worth

$95,000.00

Assets minus liabilities

Emergency runway

4.3 months

Target 6 months

Debt-payment ratio

Payments ÷ usable income

These measurements describe the entries above. They are not a financial-health score or a personal recommendation.

Resilience

Emergency fund

$12,000.00 of $16,800.00

71%

$4,800.00 remains to reach the target you selected.

Uses essential expenses, debt payments, and a monthly reserve for annual irregular expenses. Lifestyle spending is excluded.

Long-term direction

Simplified freedom target

$840,000.00 at 4%

10%

Invested assets entered: $85,000.00 · Remaining simplified gap: $755,000.00.

Uses expected monthly spending after debt plus annual irregular expenses. Current debt payments are excluded.

First focus

Strengthen the cash buffer.

The emergency savings entered are below your own runway target. The gap shown here can become a practical short-term goal.

Explore a saving plan→

Methodology

How this calculator works.

This check turns a small set of current numbers into separate measures of cash flow, resilience, balance-sheet position, debt pressure, and long-term progress. It deliberately avoids a single combined score.

Core calculation

Monthly gap = Income − Essential expenses − Lifestyle expenses − Debt payments − (Annual irregular expenses ÷ 12)

Net worth is assets minus liabilities. Emergency runway uses essential expenses, debt payments, and the monthly irregular reserve. The simplified freedom target uses expected spending after debt plus annual irregular expenses, divided by the selected withdrawal rate.

See the flow

Compare usable income with essential, lifestyle, debt, and irregular spending.

Check resilience

Estimate how many months emergency savings could cover without lifestyle spending.

Choose a focus

Use your own buffer and withdrawal assumptions to identify a practical area to review next.

Important assumptions

Essential, lifestyle, and debt expenses are separate; do not include the same payment in more than one field.
Annual irregular expenses are spread evenly across 12 months; do not repeat them in a monthly field.
Expected spending after debt excludes current debt payments and annual irregular expenses; annual irregular expenses are added separately.
The debt-payment ratio uses usable income, not the lender-style gross-income DTI definition.
Assets, liabilities, and invested assets are user estimates and are not verified or saved.
The freedom target is a planning estimate; it excludes taxes, fees, inflation changes, pensions, and market volatility.