Advanced Financial Health
Score your finances against common lending and wealth-building benchmarks.
Read the guide: Budgeting & Cash FlowIncome & Expenses
Debt & Housing
Sum of minimum payments on all debts (including housing).
High-interest: credit cards, personal loans, etc.
Assets
Master Health Score
73
Solid fundamentals. Focus on savings rate and clearing high-interest debt.
Metrics Radar
Emergency Liquidity
Good
5.0 months
Target: 3–6+ months
Months of expenses covered by accessible cash.
Savings Rate
Excellent
25.0%
Target: > 20%
Share of gross income saved or invested.
Debt-to-Income (DTI)
Excellent
10.0%
Target: < 36%
All debt payments vs. gross income. Key for lending.
Housing Ratio
Warning
20.0%
Target: < 28%
Housing costs vs. gross income (front-end DTI).
Consumer Debt Load
Warning
5.6%
Target: 0%
High-interest debt vs. net income. Should be zero.
FI Progress (25× Rule)
Critical
10.0%
Target: US$1,500,000
Investments vs. 25× annual expenses.