Financial Stability Score
Enter five key ratios to see your stability score and weakest point.
Financial stability score
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Enter values above
Rating
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Emergency fund score
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Debt score
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Savings score
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Weakest factor
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Worked example
With the default inputs shown below, this calculator returns the following results:
| Input | Value |
|---|---|
| Emergency fund (months of expenses) | 3 |
| Debt-to-income ratio (%) | 25 |
| Savings rate (%) | 15 |
| Housing cost (% of income) | 30 |
| Credit utilisation (%) | 40 |
| Result | Value |
|---|---|
| Financial stability score | 39.4 / 100 |
| Rating | Fragile |
| Emergency fund score | 12.5 / 25 |
| Debt score | 7.6 / 25 |
| Savings score | 15 / 25 |
| Weakest factor | Housing cost |
Values shown are produced by this page in your browser; change any input to update them.
How to use the Financial Stability Score
- Emergency fund (months of expenses) — default 3
- Debt-to-income ratio (%) — default 25
- Savings rate (%) — default 15
- Housing cost (% of income) — default 30
- Credit utilisation (%) — default 40
- Press Calculate to update the results instantly.
Frequently asked questions
Emergency savings, debt and savings rate carry 25 points each; housing cost and credit utilisation 12.5 each. The first three are the strongest predictors of how well a household absorbs a shock.
Three months is the minimum, six is comfortable and twelve is prudent for single earners, contractors or specialised roles. The score is full at six months.
Under 36% including housing is the conventional threshold; under 20% is strong. Above 43% lenders and risk models treat a household as stretched.