Financial Stability Score
Translate key money inputs into a transparent stability score.
Enter income, expenses, savings, and debt to see how much buffer exists, how concentrated your obligations are, and how steady your income feels—without storing anything.
Inputs
Financial profile
Score
75
Stable · Expense coverage, emergency savings, debt load, and income stability combined.
Stability band
Stable
Monthly income
US$7,917
Essential expenses
US$3,200
Surplus after essentials
US$4,717
Debt-to-income
7.6%
Emergency coverage
4.7 months
Discretionary spending
US$0
Estimates are illustrative and for educational purposes only. This tool does not provide financial or investment advice.
Breakdown
Where the score comes from
59.6% of income remains after essentials.
4.7 months of essentials covered.
7.6% of income goes to debt.
stable
AI insight
Numeric score summary
Run the calculator first, then press the button for a plain-language summary that stays inside the numbers shown above.
This AI text describes numbers only and is not advice.
Scenarios
Scenario comparison
Save mixes of income, expenses, savings, and debt to compare their stability scores side by side.
Results explainer
You’ll see a 0–100 stability score, a breakdown of components like expense coverage and debt pressure, and a plain note on what’s helping or hurting the score. Saved scenarios let you compare different mixes of income, expenses, savings, and debt.
Disclaimer
Estimates are illustrative and for educational purposes only. This tool does not provide financial, investment, tax, or legal advice. Results depend on your inputs and assumptions and may not reflect real-world outcomes.
How it works
The score blends four pieces—expense coverage, emergency buffer, debt pressure, and income stability—into a 0–100 range. Each piece uses the numbers you enter and applies simple weights so you can see what drives the result.
Inputs used
- Income and its stability level
- Fixed and variable expenses
- Savings and liquid buffer
- Debt balances and repayments
- Saved scenarios you choose to compare
Core formulas
- Expense coverage ratio ≈ income ÷ expenses
- Buffer coverage ≈ liquid savings ÷ monthly expenses
- Debt pressure ≈ debt payments ÷ income
- Weighted score = blend of the above plus income stability
Calculation steps
- Normalize income and expenses to a monthly basis.
- Compute coverage ratios for expenses, buffer, and debt pressure.
- Apply the income stability setting to weight volatility.
- Blend the components into a 0–100 score.
- Show component contributions so you can see drivers.
- Save scenarios to compare different mixes side by side.
Example scenario
Imagine $6,000 monthly income, $3,800 in monthly expenses, $12,000 in liquid savings, and $400 in monthly debt payments with “Moderate” income stability. Expense coverage is about 1.6×, buffer covers just over 3 months, and debt pressure is roughly 7%. The blended score would land in the mid range with buffer and expense coverage helping most. Saving a second scenario with lower expenses or higher savings shows how the score responds.
Interpretation notes
- Higher expense coverage and buffer months tend to lift the score.
- Debt pressure and low income stability pull the score down fastest.
- Small changes to expenses or savings can shift the score more than expected.
- Use scenario comparisons to see which lever moves the score the most.
- Scores are illustrative and depend entirely on the inputs you provide.
Limitations & assumptions
The score uses a simplified, weighted blend of the inputs you enter. It does not account for taxes, investment returns, sudden expenses, or detailed debt amortization. Income stability is a manual setting. Treat the score as an educational snapshot, not a credit rating or forecast, and pair it with your own financial plan.
FAQs
Quick answers
What does the Financial Stability Score represent?
It summarizes essential income, expenses, savings, and debt inputs into a 0–100 range to illustrate short-to-medium-term resilience.
What is included or excluded?
Included: income, fixed and variable expenses, savings, debt balances, and repayment details you enter. Excluded: taxes, investment returns, and one-off events unless you add them manually.
What assumptions are used?
The score weights expense coverage, emergency buffer, debt pressure, and income stability on a 0–100 scale. It assumes steady inputs and is illustrative, not a credit score.
Does this tool store my data?
No. Everything runs in your browser session only. Nothing is uploaded, saved, or shared.
Is this financial advice?
No. The score is illustrative to help you explore scenarios and start conversations. It is not advice.
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