Financial Health Dashboard

Single-screen diagnostic — am I OK financially? Combines debt-to-income, savings rate, emergency-fund coverage, and net worth into one composite health score with prioritized next steps.

📖 About this tool

What it does

A single-screen diagnostic that scores your financial health on four metrics — debt-to-income, savings rate, emergency-fund coverage, and net worth — and surfaces prioritized action items.

Who this helps

Anyone unsure whether they're 'OK' financially. Replaces vague worry with a composite letter grade (A-F) and a concrete top-3 list of what to fix first.

How to use it

  1. Enter your monthly gross + net income.
  2. Enter your total monthly outflows (debt payments + necessary expenses + discretionary).
  3. Enter your liquid savings, retirement balances, other assets, and total debt.
  4. Read the score, the four metric cards (color-coded by health band), and the action-item list.

What it doesn't do

Doesn't pull data from your bank — you enter the numbers yourself. The score is a static snapshot, not historical; use the Net Worth Tracker for trend over time.

Your Numbers

Monthly Income

Monthly Outflows

Sum of all minimums: mortgage / rent (debt portion), credit cards, auto, student loans, personal loans, etc.

Groceries, utilities, insurance, gas, daycare — things you couldn't drop tomorrow.

Eating out, subscriptions, entertainment, hobbies — anything you could pause if you had to.

Balances

Total of all balances owed: mortgage principal + auto loan + credit cards + student loans + …

Your Health Score

Top Action Items
    How the score works: 100 points split four ways — DTI (25), Savings Rate (25), Emergency Fund (25), Net Worth Direction (25). Each metric has a healthy/warning/critical band. Hit the green band on all four → A grade. Below 60 → F (which means real action needed, not a moral judgment).