Personal Finance Calculator
Health Score
Savings Index
Risk Meter
Monthly Savings
Income vs Expense Ratio
Improvement Tips
- Enter details to see tips.
About Personal Finance Score Calculator
Managing personal finances is the cornerstone of a secure future. Our Personal Finance Score Calculator is designed to give you a clear, "Excel-dashboard" style overview of your financial health in seconds. Unlike complex spreadsheets, this tool simplifies the math. By simply entering your monthly income and monthly expenses, our algorithm calculates a personalized Financial Health Score, a Savings Index, and assesses your risk level.
Whether you are a student, a salaried employee, or a business owner, understanding your cash flow is critical. This tool helps you visualize where your money is going. The interactive charts and risk meter provide immediate feedback, acting as a digital financial advisor. We believe that financial literacy should be free and accessible to everyone.
Privacy Policy
Your privacy is our top priority. We adhere to a strict No-Data-Storage Policy.
1. Local Processing: All calculations performed by this Personal Finance Score Calculator happen directly on your device (in your browser).
2. No Server Uploads: We do not transmit, store, or save your income or expense details on any server. Once you refresh the page, your data is wiped instantly.
3. Cookies: This specific tool does not use tracking cookies to store your financial inputs.
4. Third-Party Scripts: We use standard libraries (like html2canvas for the download feature) loaded from reputable CDNs. These scripts are used solely for the functionality of the tool and do not harvest personal data.
Terms of Use
By using this tool, you agree that the results provided are for informational and educational purposes only. The "Financial Health Score" is a derived metric based on general financial rules of thumb (such as the 50/30/20 rule) and should not be considered as a certified credit score or official bank rating. You are free to download and share your report generated by this tool.
Disclaimer
Important: This tool does not provide professional financial advice. The suggestions and "Improvement Tips" generated are algorithmic responses based on the numbers you enter. Financial situations are unique to every individual. Before making significant investment or debt-related decisions, please consult with a certified financial planner (CFP) or a qualified accountant. The creators of this tool accept no liability for any loss or damage resulting from reliance on the information provided herein. Use this tool as a starting point for your financial journey, not the final word.
Policy Last Updated: 2025. Ensure you check back regularly for updates to our algorithms and features.
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