Financial Health Calculator

Get a single, clear score for how your business is doing financially. Our Financial Health Calculator blends liquidity, profitability, leverage, cash runway, and debt coverage into one overall score.

Enter your monthly income and expenses, plus your current balance sheet figures, to see your estimated Financial Health Score out of 100.

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FINANCIAL CALCULATOR

Financial Health Calculator

Get a composite score for your business based on four core pillars, liquidity, leverage, profitability, and protection, using figures from your balance sheet, income statement, and current life insurance coverage.

Balance Sheet Snapshot

Liquidity

Current Assets

Cash, receivables, and inventory expected to convert to cash within a year.

Current Liabilities

Obligations due within a year (payables, short-term debt, accrued expenses).

Leverage

Total Liabilities

All liabilities on the balance sheet, like current and long-term combined. Also used to estimate life insurance coverage need below.

Total Equity

Total owner's or shareholders' equity. Enter a negative value if liabilities exceed assets.

Income Statement & Coverage

Profitability

Total Revenue

Total revenue for the period being evaluated.

Net Income (or Net Loss)

Net income for the same period. Enter a negative value for a net loss.

Protection

Annual Income to Replace

The owner's or key person's annual income that would need to be replaced.

Current Life Insurance Coverage

Total death benefit currently in force across all policies (personal and key-person).

FINANCIAL HEALTH SCORE

Enter Your Financials

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Composite score out of 100, averaged across liquidity, leverage, profitability, and protection

Current Ratio (Liquidity) N/A

Debt-to-Equity Ratio (Leverage) N/A

Net Profit Margin (Profitability) N/A

Coverage Ratio (Protection) N/A

— Enter your financials above to generate personalized insights.

Summary

Current Ratio N/A

Debt-to-Equity Ratio N/A

Net Profit Margin N/A

Coverage Ratio N/A

Overall Score —

Score by Pillar

Each scored 0–100

Liquidity N/A

Leverage N/A

Profitability N/A

Protection N/A

Full Breakdown

Metric	Value
Current Ratio	N/A
Liquidity Score	N/A
Debt-to-Equity Ratio	N/A
Leverage Score	N/A
Net Profit Margin	N/A
Profitability Score	N/A
Recommended Coverage Need	$0.00
Current Life Insurance Coverage	$0.00
Coverage Ratio	N/A
Protection Score	N/A
Overall Financial Health Score	—

Important:The Financial Health Score averages four component scores: Liquidity (Current Ratio), Leverage (Debt-to-Equity Ratio), Profitability (Net Profit Margin), and Protection (Life Insurance Coverage Ratio). Recommended coverage need is estimated as 10× the annual income entered, plus total liabilities like a common rule-of-thumb, not a substitute for a formal needs analysis, which should also account for dependents, other assets, business succession plans, and existing policy terms. Each component is scored 0–100 against general benchmarks and is excluded from the average if its required inputs are missing or zero.

HOW IT WORKS

Three Simple Steps. One Overall Score.

Enter your income and expenses, then your balance sheet figures, and let the calculator score five key areas of financial health.

Enter Income & Cash Flow

Add your monthly revenue, operating expenses, debt payments, and cash on hand.

Enter Balance Sheet Details

Add your current assets, current liabilities, total liabilities, and total equity.

Review Your Health Score

Your inputs are scored across liquidity, profitability, leverage, cash runway, and debt coverage.

WHY USE A FINANCIAL HEALTH CALCULATOR?

See the Full Picture, Not Just One Number

No single ratio tells the whole story. A blended score across liquidity, profitability, leverage, and cash runway gives you a more complete read on where your business stands.

See Your Full Financial Picture

Combine liquidity, profitability, leverage, cash runway, and debt coverage into one clear score.

Spot Warning Signs Early

Identify weak spots thin margins, high leverage, short cash runway, before they become a crisis.

Track Health Over Time

Recalculate each period to see whether your overall financial health is improving or declining.