Financial Snapshot Calculator

This tool helps users quickly understand their personal financial health by calculating net worth and cash flow based on current income, expenses, assets, and liabilities.

Purpose:

  • Create a simple personal balance sheet (Assets – Liabilities = Net Worth)

  • Generate a basic cash flow statement (Income – Expenses = Net Cash Flow)

  • Visualise key financial metrics with intuitive charts

Inputs Required:

  1. Assets – e.g. cash, savings, investments, property, retirement accounts

  2. Liabilities – e.g. mortgages, loans, credit card debt

  3. After-Tax Income – Monthly or annual net income

  4. Monthly Expenses – Fixed and variable living costs

  5. Savings as a % of Income – Optional but useful to track

Outputs Displayed:

Balance Sheet Visualization

  • Graph showing total Assets, Liabilities, and resulting Net Worth

Cash Flow Breakdown

  • Monthly Income vs. Expenses, Savings, and Net Cash Flow

✅ Bonus Insight: Net worth and net cash flow are key indicators of financial health and progress.

How to Use It:

  1. Enter your best estimates or actual numbers in each field

  2. Review the visual breakdowns to identify trends

  3. Adjust expenses or savings to test different scenarios

Who It’s For:

  • Anyone looking to get a clearer view of their current financial position

  • Great for individuals starting a financial planning journey

  • Useful for budgeting, financial reviews, or preparing to meet with an advisor

Personal Finance Hack:

Update your snapshot every quarter. Regular check-ins help track progress and reveal opportunities to save more or reduce liabilities.

Take Action Today!

  • Use the Financial Snapshot Calculator to build awareness

  • Identify areas for improvement in income, spending, and saving

  • Build a solid foundation for long-term financial wellbeing