Financial Health Ratios Dashboard
Calculate all 6 CFP Module I financial ratios at once: liquidity, savings, debt-to-income, debt-to-asset, investment-to-net-worth, and solvency. Get your overall financial health score.
Income & Expenses
Assets
Liabilities
Overall Financial Health
Net Worth
₹55,00,000
Total Assets
₹90,00,000
Total Liabilities
₹35,00,000
Liquidity Ratio
ExcellentLiquid assets divided by monthly expenses. Shows how many months you can survive without income.
Well covered for emergencies.
Savings Ratio
ExcellentMonthly savings as a percentage of gross income. Shows your wealth-building capacity.
Excellent savings discipline.
Debt-to-Income Ratio
ExcellentAnnual debt payments as a percentage of annual income. Shows debt burden on income.
Healthy debt level relative to income.
Debt-to-Asset Ratio
GoodTotal liabilities as a percentage of total assets. Shows what proportion of assets are funded by debt.
Acceptable leverage. Continue building assets.
Investment-to-Net-Worth
ExcellentInvestment assets as percentage of net worth. Shows how productive your wealth is.
Well-diversified productive assets.
Solvency Ratio
GoodNet worth as a percentage of total assets. Shows overall financial solvency.
Solvent position. Continue reducing liabilities.
Financial Health Radar
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Ratio Summary
| Ratio | Value | Target | Status | Recommendation |
|---|---|---|---|---|
| Liquidity Ratio | 6.3x | 3-6 months | Excellent | Well covered for emergencies. |
| Savings Ratio | 26.7% | > 20% | Excellent | Excellent savings discipline. |
| Debt-to-Income Ratio | 20.0% | < 40% | Excellent | Healthy debt level relative to income. |
| Debt-to-Asset Ratio | 38.9% | < 50% | Good | Acceptable leverage. Continue building assets. |
| Investment-to-Net-Worth | 54.5% | > 50% | Excellent | Well-diversified productive assets. |
| Solvency Ratio | 61.1% | > 50% | Good | Solvent position. Continue reducing liabilities. |
CFP Financial Health Assessment
These 6 ratios form the foundation of CFP Module I (Introduction to Financial Planning). They provide a comprehensive snapshot of your financial health across liquidity, savings discipline, debt management, and wealth building. Regular monitoring helps track progress toward financial independence.
How to Improve Your Score
Focus on the weakest ratios first. Build an emergency fund (liquidity), automate savings (savings ratio), pay off high-interest debt (debt ratios), and systematically invest (investment ratio). Small improvements in each ratio compound into significant overall financial health improvement.
Frequently Asked Questions
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