Ratio of total savings to total debt — a single-number financial balance check.

80,000 in savings against 40,000 of debt is a 2.0 ratio — savings are twice the debt. 30,000 savings against 60,000 debt is 0.5 — debt is twice savings. The ratio isn't a pass/fail test, but it's a useful pulse check: most financially resilient households sit above 1.5 excluding mortgages.

How to use it

Enter total savings — including cash, investments, and pension value. Enter total debt — mortgages, loans, credit cards, overdrafts. Run it once including mortgage, once excluding, for two different views.

What the result means

Primary is the ratio. Secondary shows net worth (savings minus debt), savings total, and debt total. A ratio of exactly 1 means they cancel out: savings and debt are equal.

When the ratio is low

Below 1 isn't a crisis — early-career households and new homeowners often start here. The direction of travel matters more than the absolute number. If savings grow faster than debt year-on-year, the ratio rises over time. Focus on the trend.

Quick example

With total savings of 80,000 and total debt of 40,000, the result is 2.00x. Change any figure and watch the output shift — it's often more useful to see the pattern than to memorise the formula.

Which inputs matter most

You enter Total Savings and Total Debt. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

What's happening under the hood

Savings divided by debt. Includes all savings and all debt as user-defined. Many financial planners treat mortgages separately (property-backed, long-horizon) from consumer debt (no productive asset behind it) — run the tool twice to compare. The formula is listed in full below. If the number looks off, you can retrace the calculation by hand — that's the point of showing the working.

What the score tells you

Headline financial numbers — income, savings, debt — each tell part of the story. This calculation stitches several together into a single read you can track over time. The value is in the direction, not the absolute number.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.