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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.

About this calculator

This dashboard runs nine of your financial inputs through a set of independent ratios, each measuring a different dimension of financial health rather than rolling everything into one opaque score. Savings rate and debt-to-income ratio both divide against gross monthly income (savings and debt payments respectively), while housing cost ratio applies the classic "28% rule" for front-end housing affordability. Emergency fund months divides your liquid emergency savings by monthly expenses, with 3–6 months as the conventional target range.

Net worth is simply total assets minus total debt, and the FI (Financial Independence) number applies the "4% rule" by multiplying annual expenses by 25 — the amount of invested assets that could theoretically sustain your spending indefinitely at a 4% annual withdrawal rate; FI progress then shows what percentage of that target your current net worth already represents. The single "Financial Health Score" output starts at a baseline of 50 and is adjusted up or down using threshold bands on four of the ratios: savings rate, debt-to-income, emergency fund months, and housing ratio, then clamped to a 0–100 range — it is a weighted heuristic built from those four inputs specifically, not an aggregate of every ratio shown. A common misread is treating the FI number as a universal target: it assumes your future expenses match today's monthly expenses and doesn't adjust for expected income changes, healthcare costs in retirement, or inflation beyond the implicit 4% withdrawal assumption, so use it as a directional benchmark rather than a precise retirement figure.

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. Built by Paul Gunder, a software engineer, not a licensed financial, medical, or legal professional.

Frequently Asked Questions

How is the Financial Health Score actually calculated?

It starts at a baseline of 50 and is adjusted using threshold bands on four specific ratios: savings rate (up to +15 for 20%+, or -5 if under 10%), debt-to-income (up to +15 for 20% or under, -10 if over 36%), emergency fund months (up to +10 for 6+ months), and housing ratio (up to +10 for 28% or under). The result is clamped to a 0–100 range, so it's a weighted heuristic from those four ratios specifically, not an average of every output shown.

What's the difference between the FI Number and FI Progress?

The FI Number is a target dollar amount: your annual expenses multiplied by 25, following the 4% rule for how much invested wealth could theoretically sustain your current spending indefinitely. FI Progress is your current net worth divided by that FI Number, expressed as a percentage, showing how far along the path to that target you already are.

Why does Housing Cost Ratio use gross income and a 28% threshold?

The calculator divides your Monthly Housing Cost by Gross Monthly Income, mirroring the traditional mortgage-underwriting "front-end ratio" rule that housing costs should stay at or under 28% of gross (pre-tax) income. Using gross rather than net income is the industry convention this ratio is built around, which is also why the Financial Health Score rewards staying at or under that same 28% line.

What's a key limitation of using the FI Number as a retirement target?

It assumes your future expenses will match today's Total Monthly Expenses input, annualized and multiplied by 25 — it doesn't adjust for income changes, rising healthcare costs in retirement, or inflation beyond what's implicitly baked into the 4% withdrawal assumption. Treat the FI Number and FI Progress as a directional benchmark for tracking momentum, not a precise number to retire on.

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