🏦 FamilyFunds Analytics

Your complete family financial health — powered by Claude AI
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📊 Overview🤖 AI Analysis💬 Ask Advisor📄 Download Report⚙️ Data Sources🧮 Scenarios
Financial Independence Score
17
🚨 Critical Risk
Urgent action needed — financial stability is at risk.
Emergency fund not configured — set sources in Planning → Emergency Fund
🚨 Critical⚠️ Fragile🌱 Starting🔵 Stable🌟 Building🏆 Independent
Your score: 17/100
Cash Flow (Planning Estimates) ✏ edit
No budget transactions yet — add transactions in Budget to see rolling averages, or manually set values in Data Sources.
MetricPlanning Estimate
Income$0/mo
Expenses$0/mo
Net Savings$0/mo
Savings Rate0.0%
Debt Payments$0/mo
Score Components
Financial Resilience
0/35
CF: 0pt · EF: 0pt · Passive: 0pt
✗ Cash Flow SR: 0.0%
✗ Emergency Buffer None detected
✗ Passive Income No passive income recorded
✗ Retirement Accounts No RRSP/TFSA/LIRA/Non-Reg recorded
Debt Burden
15/15
Debt-to-income: 0.0%
FI Progress
0/25
No expense data
Protection (Insurance)
2/10
Coverage score: 25/100
✗ Life Insurance Not recorded
✗ Disability Insurance Not recorded
✗ Health / Dental Not recorded (optional)
Income Diversification
0/10
0/10 income streams diversified
Estate Planning
0/5
No will · No life ins
Top Ways to Improve Your Score
  • Improve cash flow (savings rate 15-20%), establish an emergency fund, or add passive/invested income.
  • Build toward 1-year, then 5-year, then 10-year expense buffers. Use the Scenarios tab to model how reducing expenses changes your timeline.
  • Add a passive income stream — dividend ETFs, rental income, or a side business.

⚡ Smart Alerts

⚠️ No life insurance detected. Your family would have no income protection if something happened to you.
⚠️ No disability insurance. 1-in-3 Canadians are disabled for 90+ days before age 65 — your income is at risk.
⚠️ Emergency fund covers only 0.0 months of expenses. Target: 3–6 months of liquid savings.
⚠️ Savings rate is 0.0% — below the recommended 15–20%. Review expenses to find savings opportunities.
💡 No RRSP/TFSA contributions detected. Even small monthly contributions grow significantly over time.
💡 No will detected. Without a will, provincial rules decide who gets your assets — often not what you'd choose.
💡 No travel insurance on file. Medical emergencies abroad can cost $50,000+.

💸 Spending Breakdown

Total recorded: $0
📂
No spending transactions recorded yet.
Import your bank or credit card statements in the Budget module to see your category breakdown here.
→ Open Family Budget
Groceries
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Dining & Food
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Transport
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Shopping
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Healthcare
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Utilities
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