Financial Health Calculators
Assess personal financial wellness with diagnostic scoring tools.
11 free calculators in this category
COBRA Insurance Calculator
Calculate total COBRA continuation health insurance cost after employment ends, given the previous employer's full monthly premium.
Credit Card Rewards Value Calculator
Calculate net annual value of credit card rewards after the annual fee. Enter spend and reward rate to see net rewards value.
Emergency Fund Calculator
Calculate emergency fund target and timeline to reach it from expenses and contributions. Enter months of coverage to see target amount and current gap.
Financial Stability Score
Score financial stability from 0 to 100 using income, expenses, savings and debt, with emergency fund cover carrying the most weight.
Income Shock Survival Simulator
Estimate how many months your savings would cover the gap if income fell. Enter savings, essential expenses and any income still arriving.
Index Fund vs Active Fund Calculator
Compare index fund vs active fund final wealth over a multi-decade horizon, accounting for the compounding effect of fee drag.
Net Worth by Age Calculator
Compare your net worth against an age-based benchmark built from income and current age, and see the gap in both currency and years of income.
Net Worth Calculator
Calculate your net worth. Sum savings, investments, and property minus mortgage and debts to see your financial position.
Passive Income Goal Calculator
Work out the capital needed to reach a passive income goal. Enter a target monthly income and a yield to see the capital required and the gap.
Travel Points Value Calculator
Work out what a travel reward redemption returned per point. Enter points used, the cash price and taxes paid to see the value per 100 points.
Wealth Percentile Calculator — Where Your Net Worth Ranks
See where your net worth ranks. Compare your wealth against median and top-tier reference values to estimate which percentile you fall into.
About Financial Health Calculators
Calculators for emergency-fund adequacy, debt-to-income ratios, savings rates, net worth trajectories, life and disability insurance needs, and other personal financial wellness indicators. Each tool produces a score, projection, or comparison based on widely recognised personal-finance benchmarks, providing a snapshot of current standing for an individual or household.