CKCalcKit
CalculatorsCategoriesAboutContact
Category menu

Financial

Affordability, debt, savings, cashflow, and comparison calculators.

Business

Pricing, margin, break-even, and valuation tools for operators.

Property

Rental ROI, cap rate, cashflow, and renovation return calculators.

Tax

Australian tax estimates, GST set-asides, and BAS cashflow tools.

Freelancers

Rates, project pricing, utilisation, scope buffers, and deposits.

Trades

Quote estimators for labour, materials, overhead, risk, and GST.

Featured calculators

Home Loan Reality Calculator

Stress-test a home loan against income, expenses, rate rises, and a safer purchase price.

Pricing & Margin Decision Calculator

Set a price that protects margin, covers fixed costs, and tests competitor pressure.

Rental Property ROI Calculator

Compare rental yield, cap rate, cashflow, debt service, and cash-on-cash return.

Australian Tax Estimate Calculator

Estimate Australian resident income tax, Medicare levy, PAYG gap, and take-home pay.

Freelance Rate Reality Calculator

Calculate the hourly or day rate needed after tax, expenses, leave, and non-billable time.

Trade Quote Estimator

Build a quote from labour, materials, equipment, overhead, contingency, margin, and GST.

Financial Health

Financial Health Score Calculator

This signature CalcKit tool gives a simple personal finance diagnosis and an action plan in a printable snapshot.

Decision report included

Review the decision summary, key metrics, assumptions, and action items, then create a printable report for a lender, broker, household, or client discussion.

Use the report to document the scenario, explain the tradeoff, and agree on the next action.

Inputs

Enter your scenario.

Decision Summary

Financial health score

85/100

Monthly surplus from take-home income is $2,700, emergency coverage is 4.0 months, and debt payments use 8.7% of take-home income.

Decision index

Healthy
85of 100

Key metric comparison

Cashflow score100/100
Debt pressure score62/100
Savings strength score86/100
Risk score90/100
Investment score94/100

Cashflow score

Healthy

100/100

Measures monthly surplus after regular expenses.

Debt pressure score

Watch

62/100

Measures debt payments and total non-mortgage debt load.

Savings strength score

Healthy

86/100

Measures emergency coverage and liquid savings.

Risk score

Healthy

90/100

Measures dependants and emergency resilience.

Investment score

Healthy

94/100

Measures investments against monthly take-home income.

Monthly surplus

Healthy

$2,700

Take-home income left after regular expenses.

Open printable reportBrowse related tools

Assumptions

Review the assumptions behind the result.

  • Scores are directional and designed for planning, not financial advice.
  • Monthly income is take-home income after tax.
  • Savings strength weighs emergency funds and liquid savings more than investments.
  • Debt pressure is based on both total debt and monthly repayment load.

How To Use The Result

Turn the output into a practical next step.

  • Use the score to identify which part of your finances needs attention first.
  • Cashflow and emergency fund weaknesses usually deserve attention before investing complexity.
  • Save the printable snapshot to track progress over time.

Related Tools

Compare another decision before you commit.

View all calculators

Debt

Debt Payoff Strategy Calculator

Compare avalanche, snowball, hybrid, lump-sum, and consolidation payoff paths.

Open tool

Savings

Emergency Fund Calculator

Calculate a personalised emergency fund using stability, dependants, debt, and housing pressure.

Open tool

Cashflow

Cashflow Leak Detector

Find where money is leaking each month and estimate cleanup potential.

Open tool