🩺 How healthy are your finances?

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.

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.

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%).