🩺 How healthy are your finances?
How healthy are your finances, from diversification to runway, boiled down to one number.
Understanding your overall financial health goes beyond just looking at your bank account balance. A comprehensive financial health score evaluates your cash flow, your balance sheet, and how well you are diversifying your investments. By combining these metrics into a single 100-point scale, you can quickly gauge where you stand and identify areas for improvement.
This calculator pulls your existing financial data to generate a snapshot of your financial wellness. It looks at your savings rate (how much of your income you keep), your debt-to-income ratio (how burdened you are by debt), your net worth ratio, and the diversity of your portfolio. You can adjust the numbers below to see how paying off debt or saving more would improve your score.
Current Savings Rate
Debt-to-Income Ratio
Your balance sheet is the ultimate scorecard of your financial life. It compares everything you own (your assets) against everything you owe (your liabilities). A positive net worth is the first milestone, but true financial stability comes when your assets significantly outpace your debts.
Asset diversification is another critical component of long-term wealth building. Holding all your wealth in a single asset class (like just cash, or just real estate) exposes you to concentrated risk. Spreading your investments across stocks, bonds, real estate, and other vehicles ensures that a downturn in one sector doesn't wipe out your entire portfolio.
Total Assets
Total Liabilities
Asset Classes Held
6
Your financial health score is calculated out of 100 points. It evaluates your savings rate (30%), debt-to-income ratio (30%), net worth (20%), and asset diversity (20%).
Savings Score
30
DTI Score
30
Net Worth Score
20
Diversity Score
20
📊 Results
Health Score 💯
100
Status
Very healthy
Last updated by heyfinfam (v26.4.0)
Privacy: None of your data is transmitted to the author of this view or any other third parties. Financial inputs are not used to for identification purposes, and are only used to calculate the result.
Disclaimer: This content and any calculations provided are for informational purposes only. The views, calculations, and methodologies expressed are those of the author and do not necessarily reflect those of this platform. Not financial advice. Users are solely responsible for any decisions made based on this information.
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