Illustrative example · one hypothetical household · balanced budget, moderate debt, retirement slightly behind
Illustrative example, not a real household. The panels below are simplified
stand-ins: in the app itself, every section renders
as a detailed, interactive, full-color dashboard, like the one
previewed on the home page. This page walks that same report
section by section, in order, so you can see exactly what you get. It is not
financial, investment, tax, or legal advice. Every figure is computed in your
browser; the app has no other data source.
Executive summary
The one-paragraph read a person sees first.
This household runs a healthy $1,220/month surplus at an 18.8%
savings rate, and its debt is well managed and on a 52-month payoff. The gaps: the
emergency fund covers only 2.6 of a target 6 months, disability
insurance is missing, and retirement is projected to land roughly
$13,900 short at the current contribution rate.
The Financial Health Score
A weighted average of the five scored categories, on a 0 to 100 scale.
Each category is scored on its own and weighted equally into the total.
Cash Flow81/100Excellent
Debt Payoff95/100Excellent
Investment Allocation71/100Healthy
Retirement Projections60/100Fair
Emergency Fund & Insurance56/100Fair
Debt Payoff and Cash Flow carry the household; Emergency Fund & Insurance and
Retirement Projections are the two areas dragging the score down. Each is shown in
full below.
Core · $59.95
The five scored categories
Each screen below is the real app view for this household, exactly as it renders
after Load Sample Data. These five, the action items, and the 90-day plan are what
the Core purchase covers.
81
Cash Flow Excellent
A healthy monthly surplus; housing is the one line running rich.
$1,220Monthly surplus18.8% of a $6,500 income saved
Housing$2,000 · 30.8%
Food$700 · 10.8%
Loan payments$650 · 10%
Transportation$500 · 7.7%
Savings & investments$400 · 6.2%
+ 6 smaller categories (insurance, entertainment, taxes, and the rest)
Each spending category as a share of the $6,500 monthly income, largest first. Housing is marked because it runs above the 25 to 28% guideline.
Income comfortably exceeds expenses each month, and the 18.8% savings rate is well above the 10 to 15% baseline planners target. The one flag is housing: at 30.8% of income it sits above the 25 to 28% healthy range, so it becomes a medium-priority action item.
95
Debt Payoff Excellent
Well managed and already on a 52-month payoff.
1Credit Card22.9% APR$4,200
2Auto Loan6.5% APR$14,000
3Student Loanfederal5.0% APR$18,000
Debt-free in52 months$5,219 total interest under this plan
The three debts in avalanche order, highest APR first. Extra payments hit the top row until it clears, then the next. Bar length is the interest rate; the dollar figure is the balance.
The avalanche order sends every extra dollar to the 22.9% APR credit card first, then the auto loan, then the federal student loan, clearing the balances for the least total interest ($5,219). The report flags the student loan as federal, so it is not a refinancing candidate.
71
Investment Allocation Healthy
Close to the target mix, drifted about 5 points on bonds.
US Stocks55% / 55%
International20% / 25% · 5 under
Bonds20% / 15% · 5 over
Cash5% / 5%
Current holdings versus the three-fund target for each asset class. The solid bar is what is held now; the muted bar is the target.
The mix is close to its target three-fund allocation but has drifted: bonds are about 5 points over target and international stocks about 5 points under. A single rebalance back to the target weights is the only move the engine flags.
60
Retirement Projections Fair
Projected to land roughly $13,900 short at the current contribution.
Projected balance$1.436M
Target needed$1.450M
Shortfall$13,943Raising the monthly contribution about $21 (to $1,271/mo) closes it.
Projected balance at retirement age versus the amount needed to fund planned spending.
The projected balance falls just short of the target needed to sustain planned retirement-age spending. The engine’s fix is small and specific: raise the monthly contribution by about $21 (to $1,271/mo) to close the $13,943 gap.
56
Emergency Fund & Insurance Fair
2.6 months saved of a 6-month goal, and disability cover is missing.
Emergency fund43%
$9,500 of a $22,176 target — 2.6 of 6 months of essential expenses
Health goodHome / Renters goodAuto goodLife partialDisability missing
Emergency-fund progress toward a 6-month target, plus the status of each insurance line.
The emergency fund holds $9,500 against a $22,176 target, about 2.6 months of essential expenses versus a 6-month goal. On insurance, 3 of 5 lines are in good standing; life cover is partial and disability cover is missing. All three are flagged as action items.
Top action items
High Send every extra dollar to the 22.9% APR credit card first under the avalanche method (Debt)
High Keep the federal student loan federal; refinancing to a private lender forfeits income-driven repayment and forgiveness options (Debt)
High Build the emergency fund from $9,500 toward the $22,176 target (6 months of coverage) (Emergency Fund & Insurance)
Medium Review housing cost, which at 30.8% of income is above the 25 to 28% healthy range (Cash Flow)
Medium Increase the retirement contribution by about $21/mo (to $1,271/mo) to close the $13,943 gap (Retirement)
Medium Add disability insurance; it is currently missing (Emergency Fund & Insurance)
The 90-day action plan
The report front-loads the highest-priority work into three 30-day phases. The same
plan appears on the app dashboard and in the downloadable PDF.
Days 1 to 30
Attack the 22.9% credit card first
Review the student loan before any refinancing
Days 31 to 60
Build emergency-fund reserves toward the 6-month target
Review housing cost
Days 61 to 90
Review retirement contributions
Get disability coverage in place
Bundle · $79.95
The seven planning tools
Same household, run through every Bundle tool. Pick one to see its output. All
seven come with the Bundle, or add them later for $29.95.
Net Worth Tracker
Net worth
$257,800
Total assets
$539,000
Total liabilities
$281,200
Classified as an "Average Accumulator": net worth within the
expected range for this age and income. Milestone projections at the current
savings rate: $500K by age 46, $1M by age 57.
Financial Goals
Emergency Fund Top-Up77% funded$220 / mo
Family Vacation23% funded$390 / mo
New Car Fund15% funded$510 / mo
All three goals are on track, but together they would claim $1,120 of
the $1,220 monthly surplus, a "Tight Cushion" that leaves only $100/mo
of slack.
Financial Comparisons
Scenario: Buy vs. Rent over 7 years
Winner: Buy, ahead by roughly $381,000 in total position
Also: buying runs about $250/mo cheaper ($21,000 over the period)
Even after charging Buy the opportunity cost of its $30,000 down payment (about
$25,962 over 7 years), buying still comes out ahead.
Sensitivity Analysis
Re-runs the Buy-vs-Rent comparison at every horizon from 0 to 14 years. Buy
stays ahead at every horizon tested. There is no point where
renting wins, so the report shows no breakeven year.
Financial Screener
US StocksVTI, Vanguard Total Stock Market43%
International StocksVXUS, Vanguard Total International29%
BondsBND, Vanguard Total Bond Market28%
A three-fund portfolio for age 38: 72% stocks / 28% bonds, "Growth Focused".
The blended expense ratio is about 0.04%, roughly $4.16 per $10,000 invested
per year.
FIRE Calculator
FI target
$1,300,000
Coast FIRE number
$403,088
Projected FIRE age
~60
The FI target is 25× the household's $52,000 annual spending; it is about
13% of the way there. It reaches its Coast FIRE number near age 45, after which
no further saving is needed to retire at 62. At the current 42% savings rate it
is projected to hit full financial independence around age 60.
Tax Savings
401(k) employer-match capture$2,700 / yr
Traditional / Roth IRA maximization$1,890 / yr
HSA maximization$1,161 / yr
Tax-loss harvesting$405 / yr
Charitable-deduction bunchingto review
Five of six strategies apply, for an estimated $6,156/year in
savings, checked against 2026 IRS contribution limits.
What $59.95 covers, and what the Bundle adds
Every section above, mapped to the two purchase options.
Core
$59.95 one-time
Your overall Financial Health Score and letter grade
The 5 scored category analyses, each with its own score and findings
Your prioritized action list and a dated 90-day action plan
A downloadable 10-section PDF report
Every number computed in your browser, with no account, and it works offline
This sample uses a hypothetical household for illustration only. It is not financial,
investment, tax, or legal advice. See our Disclaimer for
the full detail.
Your numbers computed on your device, and they stay there.