12 Financial Metrics
A complete picture of your financial health, calculated in real-time and always up to date.
Your Financial Dashboard
Every metric is calculated automatically from the data you enter. No manual formulas, no spreadsheet maintenance -- just clear, actionable numbers.
Net Worth
Total assets minus total liabilities. The single most important number for tracking your financial progress.
Liquid Net Worth
Your net worth excluding illiquid assets. Know exactly how much you could access quickly if needed.
FI Progress
Your financial independence target based on annual expenses. Track how close you are to reaching FI.
Debt-to-Asset Ratio
Total debt as a percentage of total assets. A key indicator of your overall financial leverage.
Loan-to-Value
Secured debt versus asset values. Essential for understanding your equity position in property and secured assets.
Credit Utilisation
How much of your available credit you're using. Lower utilisation generally means better credit health.
Cash Flow
Net income minus expenses. See exactly how much money you have working for you each month.
Savings Rate
The percentage of your income going to savings and investments. The key driver of financial independence.
Financial Runway
How many months you could sustain your current lifestyle without income. Your safety net measured in time.
Needs/Wants/Savings
Your 50/30/20 income allocation breakdown. See how your spending compares to the recommended split.
Debt-to-Income
Your total debt payments as a percentage of income. A key indicator used by lenders and for personal planning.
Rate Optimisation
Track promotional rate health across your liabilities with a 0-100 score.
The Complete Picture
Individual metrics tell part of the story. Together, they give you a comprehensive understanding of where you stand and where you're headed.
Portfolio Snapshot
Net worth, liquid net worth, and FI progress show your current position and how close you are to financial independence.
Portfolio Health
Debt-to-asset ratio, loan-to-value, and credit utilisation reveal how well your assets and liabilities are balanced.
Budget Health
Cash flow, savings rate, financial runway, and needs/wants/savings show how effectively you manage monthly income.
Know Your Numbers
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