Benchmarked against planning standards
The Financial Checkup.
Income & Savings
$
Your total income before taxes and deductions.
$
The amount deposited into your account after taxes.
$
All savings combined: 401(k), IRA, Roth, brokerage, savings account.
Retirement
$
401(k) + IRA + any retirement accounts.
$
Debt
$
Mortgage or rent, car payments, student loans, credit cards, and any other recurring debt payments.
Your results
Your Financial Checkup Results
Overall Assessment
Savings Rate
A savings rate of 15–20% of take-home pay is a healthy baseline. 20%+ is strong, and 25%+ accelerates financial independence.
Debt-to-Income Ratio
Lenders consider 36% or less healthy. Above 43% is high risk.
Retirement Gap Estimate
Based on the 25x rule and 7% average annual returns. Your actual needs may vary.
Emergency Fund Check
Do you have 3-6 months of expenses saved in a liquid account? If not, this should be a priority. An emergency fund protects you from taking on high-interest debt when life throws you a curveball.
This assessment provides general guidance based on widely accepted financial planning benchmarks. It does not constitute personalized financial advice. Individual circumstances vary significantly. For a plan tailored to your specific situation, schedule a consultation.