Financial Values Clarifier Calculator

Priority ranking of financial values and goal alignment.

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

Security importance (1-10)

Freedom importance (1-10)

Family importance (1-10)

Growth importance (1-10)

Enjoyment importance (1-10)

Security spending ($/mo)

Freedom spending ($/mo)

Family spending ($/mo)

Growth spending ($/mo)

Enjoyment spending ($/mo)

Tab to move between fields

Results

Values alignment score (0-100)

Largest misalignment area1

Total discretionary spending ($)$2,100.00

Ideal security allocation (%)22.9%

Ideal freedom allocation (%)20%

Ideal family allocation (%)25.7%

Ideal growth allocation (%)17.1%

Ideal enjoyment allocation (%)14.3%

Monthly reallocation needed ($)$420.00

How to Use This Calculator

Rate the importance of each financial value (security, freedom, family, growth, enjoyment) on a 1–10 scale.
Enter your actual monthly spending in each corresponding category.
Review your Alignment Score — a higher score means your spending matches your stated values.
Identify the Largest Misalignment to find where your behavior diverges most from your values.
Use Monthly Reallocation Needed to set a concrete budget-shifting goal toward values alignment.

How the result changes with Security importance (1-10)

Security importance (1-10)	Values alignment score (0-100)
1.9	73
4.15	78
6.85	82
9.1	86

What each input means

Security importance (1-10): How important is financial security (emergency fund, insurance, stability)?
Freedom importance (1-10): How important is financial freedom (being debt-free, financial independence)?
Family importance (1-10): How important is spending on family (activities, support, quality time)?
Growth importance (1-10): How important is personal growth (education, skills, career development)?
Enjoyment importance (1-10): How important is enjoyment (entertainment, hobbies, dining, travel)?
Security spending ($/mo): Monthly spending on savings, insurance, emergency fund contributions.
Freedom spending ($/mo): Monthly extra debt payments and investment contributions.
Family spending ($/mo): Monthly spending on family activities, childcare, gifts.
Growth spending ($/mo): Monthly spending on education, courses, books, coaching.
Enjoyment spending ($/mo): Monthly entertainment, hobbies, dining out, travel.

What each result means

Values alignment score (0-100): How well your spending matches your stated values. 100 = perfect alignment.
Largest misalignment area: Area with biggest gap: 1=Security, 2=Freedom, 3=Family, 4=Growth, 5=Enjoyment.
Total discretionary spending ($): Sum of all categorized monthly spending.
Ideal security allocation (%): What percentage should go to security based on your values.
Ideal freedom allocation (%): What percentage should go to freedom/debt payoff based on your values.
Ideal family allocation (%): What percentage should go to family based on your values.
Ideal growth allocation (%): What percentage should go to growth based on your values.
Ideal enjoyment allocation (%): What percentage should go to enjoyment based on your values.
Monthly reallocation needed ($): Total dollars that would need to shift between categories for perfect alignment.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Security importance (1-10) = 8, Freedom importance (1-10) = 7, Family importance (1-10) = 9, Growth importance (1-10) = 6 = 10 input(s) provided
Calculate Values alignment score
Values alignment score
84 = 84
Calculate Largest misalignment area
Largest misalignment area
1 = 1
Calculate Total discretionary spending
Total discretionary spending = securitySpending + freedomSpending + familySpending + growthSpending + enjoym...
2100 = $2,100