A comprehensive guide to understanding your financial health assessment, recovery strategies, and optimization plans.
Our financial health calculator provides a comprehensive assessment of your financial situation by analyzing your income, expenses, assets, and liabilities over your lifetime.
We calculate your projected net worth at each age by tracking all income sources, expenses, investment returns, and debt payments. This shows whether you're on track to maintain financial security throughout your life.
This metric measures how well your assets cover your future expenses. A score of 100%+ means you're fully funded - your assets can sustain your lifestyle. Below 100% indicates you may need additional savings or adjustments.
Choose from three investment approaches based on your risk tolerance:
If your analysis shows you're not fully funded (below 100%), recovery plans help you get back on track through strategic savings and financial adjustments.
Recovery plans are recommended when your Financial Freedom Score is below 100% or when you have projected deficit years. They provide specific, actionable steps to achieve financial security.
Best for: Comprehensive restructuring focused on ensuring your income covers your expenses.
The Fix Plan analyzes all aspects of your finances and creates a customized solution combining income increases, expense reductions, and additional savings. It's phased in gradually over 5 years to make changes manageable.
Key Features:
Best for: Steady, consistent approach to recovery
Save a fixed monthly amount throughout your recovery period. This provides predictable monthly targets that are easy to budget and automate.
Key Features:
Best for: Easing into higher savings rates over time
Start with lower monthly savings and gradually increase as your income grows. This approach aligns with typical career income growth and builds the savings habit progressively.
Key Features:
If your base analysis shows you're already on track (100%+ funded), optimization plans help you enhance your financial position even further through additional savings.
Optimization plans are available when your Financial Freedom Score is 100% or higher. They're optional enhancements - your base plan already provides security, but optimization can increase your wealth buffer and create more financial flexibility.
Consistent additional monthly savings to meaningfully enhance your financial position while maintaining current lifestyle.
Add modest additional savings that grow over time, further securing your financial future without major lifestyle changes.
Maximum additional savings for those who want to build exceptional wealth and create substantial legacy options.
Not all recovery plans may be immediately feasible - some may require savings rates and income increases that exceed your current capacity. We'll clearly label these as "aspirational" and explain what would be needed to achieve them.
Step 1: Run Your Base Analysis
Click "My Recommendations" to generate your base plan to see your baseline financial health. It is important to note that this analysis does NOT take future market returns into account. This is because we want to consider where your finances currently stand at this point in time.
Step 2: Check Your Financial Freedom Score
Step 3: Choose an Investment Strategy
Select conservative, balanced, or aggressive.
Step 4: Compare Plan Options
We'll show you all available strategies and highlight which ones are feasible based on your income and expenses.
Step 5: Compare Results
Use our comparison tools to see side-by-side projections, financial insights, and choose the approach that best fits your goals and capacity.
Create your personalized financial health assessment and discover which strategies work best for your situation.
Start Your Analysis →