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Calcimator

Financial Ratios Dashboard Calculator

Get a comprehensive personal finance health check. Calculate savings rate, debt-to-income, emergency fund coverage, net worth, and financial independence progress.

Inputs

Results

Financial Health Score

88

Savings Rate (%)14.29%
Debt-to-Income Ratio (%)11.43%
Housing Cost Ratio (%)21.43%
Emergency Fund (months)3.8
Net Worth ($)$70,000.00
Net Worth / Income Ratio0.83
Debt-to-Asset Ratio (%)72%
FI Number ($)$1,200,000.00
FI Progress (%)5.83%
Disposable Ratio23.81%
How to Use This Calculator
  1. Enter your gross and net monthly income, monthly savings, and monthly debt payments.
  2. Add your monthly housing cost, total monthly expenses, and emergency fund balance.
  3. Enter total assets and total debt to calculate your net worth.
  4. Review your financial health score (0-100), savings rate, debt-to-income ratio, and housing cost ratio.
  5. Use the FI number and FI progress to track your path to financial independence.
  6. Target a savings rate above 20%, DTI under 36%, and housing ratio under 28%.

What each input means

Gross Monthly Income ($)
Total monthly income before taxes and deductions.
Net Monthly Income ($)
Monthly income after taxes (take-home pay).
Monthly Savings ($)
Total monthly amount saved or invested (401k, IRA, brokerage, etc.).
Monthly Debt Payments ($)
Total monthly minimum debt payments (mortgage, auto, student loans, credit cards).
Monthly Housing Cost ($)
Rent or mortgage payment including insurance and taxes.
Total Monthly Expenses ($)
Total monthly spending including housing, food, transport, etc.
Emergency Fund Balance ($)
Liquid savings set aside for emergencies.
Total Assets ($)
Total value of all assets (cash, investments, property, vehicles).
Total Debt ($)
Total outstanding debt (mortgage, loans, credit cards).

What each result means

Financial Health Score
Overall financial health score from 0-100 based on key ratios.
Savings Rate (%)
Percent of gross income you save. Target: 20%+ (excellent), 10-20% (good).
Debt-to-Income Ratio (%)
Monthly debt payments / gross income. Target: under 36% (under 20% is excellent).
Housing Cost Ratio (%)
Housing cost / gross income. Target: under 28% (the 28% rule).
Emergency Fund (months)
Months of expenses your emergency fund covers. Target: 3-6 months.
Net Worth ($)
Total assets minus total debt.
Net Worth / Income Ratio
Net worth divided by annual income. Benchmark by age: 30s = 1x, 40s = 2-3x.
Debt-to-Asset Ratio (%)
What percentage of your assets are financed by debt. Lower is better.
FI Number ($)
Financial Independence target: 25x annual expenses (the 4% rule).
FI Progress (%)
How close you are to financial independence (net worth / FI number).

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Gross Monthly Income ($) = 7000, Net Monthly Income ($) = 5250, Monthly Savings ($) = 1000, Monthly Debt Payments ($) = 800 = 9 input(s) provided
  2. Calculate Financial Health Score
    Financial Health Score = 50
    88 = 88
  3. Calculate Savings Rate
    Savings Rate = grossMonthlyIncome > 0
    14.29 = 14.29%
  4. Calculate Debt-to-Income Ratio
    Debt-to-Income Ratio = grossMonthlyIncome > 0
    11.43 = 11.43%

Engine last updated . Checked against 1 independently-derived test — how we verify calculators.

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