Financial Stress Calculator

Financial Stress Calculator — Assess Your Financial Health

Assess your financial stress level, calculate debt-to-income ratio, and get personalized recommendations for improving your financial health.

Step 1: Income & Expenses

Monthly Income (after tax)

Monthly Essential Expenses

Monthly Debt Payments

Financial Health Indicators

A healthy debt-to-income ratio is below 36%. Emergency savings should cover 3-6 months of expenses. Stress levels are calculated based on multiple financial factors.

Step 2: Assets & Stress Factors

Emergency Savings Amount

Job Security (1-10)

7/10

Number of Dependents

Have health insurance

Retirement savings active

Stress Factors

Job security, number of dependents, insurance coverage, and retirement planning all contribute to your overall financial stress level and stability.

Financial Stress Assessment

Summary

Recommendations

Breakdown

Your Financial Stress Level

Moderate

Score: 65/100

Low Stress Moderate High Stress

Debt-to-Income Ratio

20%

Emergency Fund Coverage

2.0 months

Disposable Income

$700

Financial Security Score

72/100

Personalized Recommendations

Priority	Recommendation	Impact	Timeline

Financial Breakdown

Financial Health Formula

Stress Score = (DTI × 40%) + (Savings Coverage × 30%) + (Job Security × 20%) + (Insurance × 10%)

DTI = Monthly Debt Payments ÷ Monthly Income. Savings Coverage = Emergency Savings ÷ Monthly Expenses. Lower scores indicate better financial health.

Need Professional Financial Advice?

Connect with certified financial advisors for personalized guidance on debt management, savings strategies, and long-term financial planning.

Get Financial Consultation