Quick Guide
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You Can Afford This Lifestyle
Your projected savings remain positive over 5 years
Financial Health Score
Comprehensive assessment based on cash flow, expense ratio, debt load, and savings capacity. Scores range from 0-100.
Financial Health Score
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Analyzing
Savings Rate
Percentage of income saved after all expenses. Higher rates indicate better financial health and future security.
Savings Rate
--%
Calculating
5-Year Savings Projection
Total projected savings after 5 years, accounting for all income, expenses, major purchases, and compound interest.
5-Year Projection
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Calculating
Monthly Cash Flow
Your income minus total monthly expenses. Positive values indicate money left after bills, negative values show a monthly deficit.
Monthly Cash Flow
$0.00
↗ Neutral
Major Purchases
Combined monthly payments for car and house purchases. Includes loan payments, insurance, taxes, and other associated costs.
Major Purchases
$0/month
→ Manageable
Expense Ratio
Percentage of income spent on expenses. Lower ratios (under 60%) indicate healthier financial habits with more savings capacity.
Expense Ratio
0%
→ Optimal
Financial Planning
Monthly Budget Breakdown
This pie chart shows the distribution of your monthly spending across all budget categories. The chart automatically updates as you adjust budget amounts or toggle categories on/off. Each slice represents a portion of your total monthly expenses, helping you visualize spending priorities.
Savings Projection Over 5 Years
This line chart displays your cumulative savings projection over a 5-year period. The line shows how your savings accumulate (or deplete) month by month. Values above zero indicate positive savings, while values below zero indicate you're spending more than you earn. Hover over year markers to highlight individual years and see cumulative savings amounts for that specific year.
Cumulative Spending by Category
This chart displays cumulative spending totals for each category at yearly intervals (Year 1 through Year 5). Each bar shows the total amount spent in that category up to that year. Categories are labeled with their cumulative spending amounts, helping you see which categories consume the most of your budget over time.
5-Year Total Spending by Category (Treemap)
This treemap visualization shows your total 5-year spending by category, where larger rectangles indicate higher spending. The size and color intensity of each box represents the proportion of your total spending. Click or hover over any box to see detailed category information and exact dollar amounts.
Yearly Financial Summary
This table provides a comprehensive year-by-year breakdown of your financial situation. It shows annual income, total spending, annual savings (or deficit), cumulative savings over time, and your financial status. Use this to identify trends and see which years may be challenging or favorable based on your planned major purchases.
| Year | Annual Income | Annual Spending | Annual Savings | Cumulative Savings | Status |
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AI Financial Viability Analysis
BETA
Viability Grade
B+
78/100
Savings Trajectory
Your projected savings show consistent growth across all 5 years, with positive cash flow maintained even after major purchases.
Expense Ratio
Your spending-to-income ratio is at 72%, which is slightly above optimal. Consider reducing discretionary spending in categories like Entertainment or Dining.
Debt Management
Major purchases are well-timed and manageable. Your car and house payments represent sustainable portions of your income.
Optimization Opportunity
Delaying the house purchase by 6 months could increase your cumulative savings by approximately $12,500 while maintaining your lifestyle goals.
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