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.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Gross Monthly Income ($)

Net Monthly Income ($)

Monthly Savings ($)

Monthly Debt Payments ($)

Monthly Housing Cost ($)

Total Monthly Expenses ($)

Emergency Fund Balance ($)

Total Assets ($)

Total Debt ($)

Tab to move between fields

Results

Financial Health Score

Savings Rate (%)14.29%

Debt-to-Income Ratio (%)11.43%

Housing Cost Ratio (%)21.43%

Emergency Fund (months)3.8

Net Worth ($)$70,000

Net Worth / Income Ratio0.83

Debt-to-Asset Ratio (%)72%

FI Number ($)$1,200,000

FI Progress (%)5.83%

Disposable Ratio23.81%

How to Use This Calculator

Enter your gross and net monthly income, monthly savings, and monthly debt payments.
Add your monthly housing cost, total monthly expenses, and emergency fund balance.
Enter total assets and total debt to calculate your net worth.
Review your financial health score (0-100), savings rate, debt-to-income ratio, and housing cost ratio.
Use the FI number and FI progress to track your path to financial independence.
Target a savings rate above 20%, DTI under 36%, and housing ratio under 28%.

Ad Placeholder