Unallocated income after the four entered uses.
Free Financial Health Check
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The check explains and calculates several ratios using your figures. It neither evaluates creditworthiness nor offers financial advice.
Define the evidence boundary before calculating
Choose one complete month, include the same accounts throughout, and remove owned transfers only after confirming both sides. Missing cash activity or another household account can materially change every ratio.
- PeriodOne complete month or statement cycle
- Income basisTake-home income received in that period
- OutputDescriptive shares, not targets or eligibility rules
Ratio signal board
Enter take-home income to calculate the four shares.
Essential spending divided by income.
Debt payments divided by income.
Entered saving contributions divided by income.
- Entered uses of income
- 0.00
- Unallocated amount
- 0.00
How the financial health ratios are calculated
The tool can calculate each displayed percentage using the take-home income you enter as its denominator. The ratios describe the entered month and do not apply universal targets, grades, or credit decisions.
| Measure | What the worksheet calculates | What it cannot decide |
|---|---|---|
| Cash-flow margin | The result can show income minus essential spending, debt payments, discretionary spending, and savings contributions, divided by income. This identifies the unallocated share of entered income. | Whether the remaining share is adequate for this household. |
| Commitment shares | The tool can compare essential spending and debt payments with income separately. The result shows concentration but cannot determine whether a cost is necessary or sustainable. | Whether a cost is necessary, affordable, or eligible for credit. |
| Savings contribution share | The result can show entered savings contributions divided by income. This describes transfers you classified as savings and does not measure investment performance or net-worth growth. | Whether saving is sufficient or invested appropriately. |
Financial health ratio example
With $5,000 of take-home income, $2,500 of essential spending, $500 of debt payments, $700 of discretionary spending, and $500 of savings contributions, the entered cash-flow margin is 16%.
The same inputs produce an essential share of 50%, a debt-payment share of 10%, and a savings contribution share of 10%. These are arithmetic descriptions, not recommended thresholds. Household needs, irregular costs, other accounts, and future obligations remain outside the calculation.
Why one ratio set is not a financial diagnosis
A useful review compares several complete periods and explains exceptional transactions. One month can be materially affected by timing or missing records.
No universal score
The page does not rate financial health, creditworthiness, affordability, or eligibility. Those decisions require context and, where appropriate, qualified review.
Account coverage
Figures from one account can omit another person's contribution, cash activity, credit card spending, business activity, or savings held elsewhere.
Timing effects
Refunds, annual premiums, delayed income, large repairs, and transfers can alter one month's percentages without representing a lasting change.
Trace the ratios back to statement rows
Use the private analyzer when you need extracted transactions, balance checks, categories, and uncertainty warnings before calculating ratios.