Financial Independence Score
27
⚠️ Financially Fragile
Living on the edge — one setback could cause serious hardship.
Investable Assets
$29,410
portfolio + retirement + planning
Years of Expenses Covered
0.1 yrs
at $37,516/mo current expenses
Emergency fund not configured — set sources in
Planning → Emergency Fund
🚨 Critical⚠️ Fragile🌱 Starting🔵 Stable🌟 Building🏆 Independent
Your score: 27/100
Cash Flow Trend ⚠ 12/13 months ✏ edit
| Metric | Last Month Avg | 3-mo Avg | 6-mo Avg |
|---|---|---|---|
| Income | +$42,276 | +$36,011 | +$39,483 |
| Expenses | +$49,234 | +$37,516 | +$38,368 |
| Net Savings | $6,957 | $1,504 | +$1,115 |
| Savings Rate | -16.5% | -4.2% | 2.8% |
| Debt Payments | $0 | $0 | $0 |
| Income (raw avg) | — | $36,011 | $39,483 |
| Expenses (raw avg) | — | $37,516 | $38,368 |
Score Components
Financial Resilience
3/35
CF: 0pt · EF: 0pt · Passive: 3pt
✗
Cash Flow
SR: -4.2%
✗
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
3/25
0.1 yrs of expenses covered
✗
1-Year Buffer
$450,187 target · need $420,777 more
✗
5-Year Buffer
$2,250,934 target · need $2,221,524 more
✗
10-Year Buffer
$4,501,868 target · need $4,472,458 more
Protection (Insurance)
2/10
Coverage score: 25/100
✗
Life Insurance
Not recorded
✗
Disability Insurance
Not recorded
✗
Health / Dental
Not recorded (optional)
Income Diversification
4/10
4/10 income streams diversified
Estate Planning
0/5
No will · No life ins
Top Ways to Improve Your Score
- Create a will and ensure your insurance has up-to-date beneficiaries.
- 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.
⚡ 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 -4.2% — 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+.
Net Worth Breakdown
Monthly Cash Flow
💸 Spending Breakdown
Total recorded:
$842,682
Click any row to see the source transactions — then exclude or override the amount and save.
