Financial Health Checkup | Personal Wealth Advisor & Tools

1. Enter Financial Ratios

Monthly Take-Home Income After taxes

Monthly Savings & Investments 401k, IRA, brokerage, HYSA

Monthly Living Expenses Rent, bills, food, fun

Monthly Debt Payments Credit cards, auto, student loans

Total Emergency Cash Reserves In savings/checking

72

Health Index

Good

Your financial health is graded based on target budget ratios and savings metrics.

Savings Rate 20%

Debt-to-Income 16%

Emergency Fund 3.75 mo

Adjust sliders to distribute your take-home monthly income.

Total Monthly Net Income

1. Essential Needs (Target: 50%) $2,500

Housing, utilities, groceries, transportation, insurance.

2. Lifestyle Wants (Target: 30%) $1,500

Dining out, subscriptions, shopping, travel, entertainment.

3. Savings & Investments (Target: 20%) $1,000

Emergency fund, 401(k), IRA, investments, paying off debt.

Allocations total 100% of income. Balanced!

Needs 50% of income

$2,500 Limit: $2,500 (50%)

Wants 30% of income

$1,500 Limit: $1,500 (30%)

Savings 20% of income

$1,000 Limit: $1,000 (20%)

Disclaimer

Our advisor bot provides educational insights only. This is not certified professional financial planning advice.