Banking Ratios
Financial Health Score
Composite score across DTI, savings rate, and emergency fund.
Inputs
$
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$
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$
Results
Overall financial health
68 / 100
Healthy
Debt-to-income
≤ 36% healthy; ≤ 28% strong
25.88
Excellent
Emergency runway (mo)
3–6 mo target
3.79
Strong
Savings rate
≥ 15% strong
23.53
Excellent
Credit score
740+ excellent
720
Strong
Credit utilization
≤ 30% (ideally < 10%)
14.00
Strong
Net worth vs income
Age 42: target 4× income
1.76
Needs work
Retirement multiplier
Fidelity age-based targets
1.18
Needs work