Financial Snapshot Dashboard Calculator

Net worth and savings rate snapshot.

Inputs

Total assets ($)

Total liabilities ($)

Monthly gross income ($)

Monthly expenses ($)

Tab to move between fields

Results

Net worth ($)

$65,000.00

≈ 6 years of state college

Savings rate (%)25%

Monthly surplus ($)$1,500.00

Debt-to-asset ratio (%)56.67%

Months of runway14.4

Projected annual savings ($)$18,000.00

FI number ($)$1,350,000.00

FI progress (%)4.81%

How to Use This Calculator

Enter Total assets ($), Total liabilities ($), and Monthly gross income ($).
Set Monthly expenses ($).
Review the Net worth ($) ($) result.
Use Savings rate (%) (%) and Monthly surplus ($) ($) to inform your decision.

How the result changes with Total assets ($)

Total assets ($)	Net worth ($)
100,000,000	$99,915,000.00
350,000,000	$349,915,000.00
650,000,000	$649,915,000.00
900,000,000	$899,915,000.00

What each input means

Total assets ($): Sum of all assets: savings, investments, home equity, retirement accounts, etc.
Total liabilities ($): Sum of all debts: mortgage, student loans, car loans, credit cards, etc.
Monthly gross income ($): Total monthly household income before taxes.
Monthly expenses ($): Total monthly spending including all bills, food, transport, etc.

What each result means

Net worth ($): Total assets minus total liabilities.
Savings rate (%): Percentage of gross income saved each month.
Monthly surplus ($): Income minus expenses. Negative means a deficit.
Debt-to-asset ratio (%): Liabilities as a percentage of assets. Lower is healthier; above 50% is risky.
Months of runway: How many months your net worth could cover expenses if income stopped.
Projected annual savings ($): Monthly surplus extrapolated to a full year.
FI number ($): Financial independence target: 25x your annual expenses (4% rule).
FI progress (%): How far your net worth is toward your financial independence number.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Total assets ($) = 150000, Total liabilities ($) = 85000, Monthly gross income ($) = 6000, Monthly expenses ($) = 4500 = 4 input(s) provided
Calculate Net worth
Net worth = totalAssets - totalLiabilities
65000 = $65,000
Calculate Savings rate
Savings rate = monthlyIncome > 0
25 = 25%
Calculate Monthly surplus
Monthly surplus = monthlyIncome - monthlyExpenses
1500 = $1,500

Engine last updated July 26, 2026.

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