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Decision reportDecision summary
Financial Health Score Calculator
Monthly surplus from take-home income is $2,300, emergency coverage is 2.6 months, and debt payments use 12.5% of take-home income.
Decision index
71/100
Financial health score
Key figures
Cashflow score
100/100Debt pressure score
46/100Savings strength score
60/100Risk score
80/100Findings snapshot
What deserves attention first
These signals are the strongest points to review before relying on the result.
Cashflow is contributing positively to the overall score.
Debt pressure is dragging the score down and should be reviewed.
Savings strength is a useful buffer in this scenario.
Status mix
Metric health
Green is healthier, yellow needs monitoring, and red needs action.
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Decision reportMetric dashboard
Relative strength of the main numbers
These bars compare the largest numeric signals in this report. Each value keeps its own unit, so use the chart as a visual guide rather than a like-for-like financial comparison.
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Decision reportMetric notes
What each result means
Each row explains the result in practical language and highlights whether it is healthy, worth watching, or needs action.
Cashflow score
100/100HealthyMeasures monthly surplus after regular expenses. This is a summary signal. Use the supporting numbers to understand what is driving it. Against the other key figures in this report, it is marked healthy.
Debt pressure score
46/100ActionMeasures debt payments and total non-mortgage debt load. This is a summary signal. Use the supporting numbers to understand what is driving it. Against the other key figures in this report, it is marked action.
Savings strength score
60/100WatchMeasures emergency coverage and liquid savings. This is a summary signal. Use the supporting numbers to understand what is driving it. Against the other key figures in this report, it is marked watch.
Risk score
80/100HealthyMeasures dependants and emergency resilience. This is a summary signal. Use the supporting numbers to understand what is driving it. Against the other key figures in this report, it is marked healthy.
Investment score
76/100HealthyMeasures investments against monthly take-home income. This is a summary signal. Use the supporting numbers to understand what is driving it. Against the other key figures in this report, it is marked healthy.
Monthly surplus
$2,300HealthyTake-home income left after regular expenses. This is the money left after the main commitments. A larger buffer usually means a safer plan. It is marked healthy based on the entered assumptions.
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Decision reportFindings
Plain-English interpretation
These findings translate the numbers into decision points.
Cashflow is contributing positively to the overall score.
Debt pressure is dragging the score down and should be reviewed.
Savings strength is a useful buffer in this scenario.
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Decision reportAction plan
What to do next
Recommended actions are based on the strongest signals in the result. Use them to decide what to check, change, or confirm.
Action 1
Protect monthly cashflow
- What it means
- Cashflow is contributing positively to the overall score. Read this together with Cashflow score (100/100) to see what is driving the result.
- Why it matters
- Measures monthly surplus after regular expenses. This is a summary signal. Use the supporting numbers to understand what is driving it.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Cashflow score: 100/100; Debt pressure score: 46/100; Savings strength score: 60/100
Action 2
Prioritise debt pressure
- What it means
- Debt pressure is dragging the score down and should be reviewed. Read this together with Debt pressure score (46/100) to see what is driving the result.
- Why it matters
- Measures debt payments and total non-mortgage debt load. This is a summary signal. Use the supporting numbers to understand what is driving it.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Cashflow score: 100/100; Debt pressure score: 46/100; Savings strength score: 60/100
Action 3
Review decision signal 3
- What it means
- Savings strength is a useful buffer in this scenario. Read this together with Savings strength score (60/100) to see what is driving the result.
- Why it matters
- Measures emergency coverage and liquid savings. This is a summary signal. Use the supporting numbers to understand what is driving it.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Cashflow score: 100/100; Debt pressure score: 46/100; Savings strength score: 60/100
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Decision reportScenario inputs
Values used in the calculation
These inputs are the basis of the report. If any value changes, regenerate the report before relying on the result.
Monthly take-home income
Household monthly income after tax.$9,200Monthly expenses
Total regular monthly spending.$6,900Total non-mortgage debt
Credit cards, personal loans, car loans, and similar debt.$38,000Monthly debt payments
Monthly debt payments excluding mortgage or rent.$1,150Liquid savings
Cash savings outside investments.$26,000Emergency fund
Cash set aside specifically for emergencies.$18,000Include investments in score
Choose whether investments should contribute to the score.YesInvestments
Invested assets excluding home equity.$42,000Dependants
People financially relying on you.1Assumptions
How to read 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.
Professional note
Before acting
This report is a decision-support summary based on the assumptions entered. It is not financial, tax, lending, or legal advice. Confirm product terms, fees, tax treatment, and policy settings before making a financial commitment.
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Decision reportTerms explained
Key terms used in this report
These definitions explain finance terms and strategies that appear in the result.
Emergency coverage
How long available savings could cover essential costs. More coverage usually means the plan can handle income disruption or unexpected expenses better.
After-tax return
The expected investment return after tax is considered. It is usually more useful than the headline return when comparing investing with paying down debt.
Surplus
Money left after the main expenses and repayments are counted. A positive surplus creates breathing room; a negative surplus signals pressure.
BAS
Business Activity Statement. Australian businesses use it to report GST and other obligations to the ATO.