Your risk score—short-term and long-term

Financial risk in two buckets: the next 1–2 years (bills and shocks) and 5+ years (retirement and independence). Enter your finances above. See your scores and clear tips to lower each.

Powers your Margin Score and personal finance risk score. Same numbers across all tools—enter once.

Monthly IncomeMonthly take-home income

Monthly ExpensesMonthly expenses including groceries, housing, debt payments & others

Emergency FundEmergency fund to cover 3-6 months of expenses

Sinking FundsSinking funds for future goals like vacations, a new car, or getting married

Long term investmentsLong term investments/savings to grow your money.

Personal debt balancePersonal debt balance, excluding mortgage

Mortgage BalanceOutstanding mortgage balance

AgeYour age (for projections)

Short-term risk

Next 1–2 years: ability to pay bills and absorb shocks

80Low

You're in good shape.

Emergency fund:3.0 months
Margin:40% of income
Debt vs income:Low

Long-term risk

5+ years: retirement and financial independence

75Moderate

A few tweaks could help.

Investments:0.3× annual expenses
Savings vs income:3.8× (target ~1× by your age)
Debt payoff:None

Tips to reduce your personal finance risk

Long-term

Grow your investment multiple

OPTIMIZATION

Aim for at least 1× annual expenses in long-term investments, then 3×. This builds your future safety and growth.

Improves long-term security

Improve your margin & money skills to reduce risk →