Financial Wellness Assessment
Assess your financial wellness with our comprehensive calculator. Understand your financial health, set goals, and plan for a secure financial future.
Step 1: Financial Details
Understanding Financial Ratios
A healthy financial ratio typically includes saving 20% of income, spending less than 50% on needs, and maintaining 3-6 months of expenses in emergency savings.
Step 2: Assets & Liabilities
About Debt-to-Income Ratio
A healthy debt-to-income ratio is below 36%. This includes all monthly debt payments divided by gross monthly income. Lower ratios indicate better financial health.
Financial Wellness Results
Financial Wellness Score
Financial Scenario Comparison
| Scenario | Monthly Savings | Years to Goal | Net Worth 5yrs | Risk Level |
|---|
Financial Health Analysis
Financial Wellness Formula
Wellness Score = (Savings Rate × 30) + (Debt Ratio × 30) + (Emergency Fund × 20) + (Net Worth Growth × 20)
The financial wellness score evaluates multiple factors of your financial health including savings discipline, debt management, emergency preparedness, and wealth accumulation over time.
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