cash flow--/25
Income and monthly expenses
3-Minute Home Financial Checkup
First divide the money correctly,
Think again about making more.
Enter your income, mortgage, savings, and expenses to instantly see your monthly budget, reserve gap, early loan repayment benefits, and how close you are to financial freedom.
FileTiny Home Financial Report
What's the status of your money now?
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points
Waiting for calculation
Fill in the information on the left to generate your first report.
The report will prioritize identifying cash flow, reserves and debt pressures, and then discuss long-term goals.
Reserve fund--/25
Cash and income stability
Debt pressure--/20
Loan monthly payment and balance
Assets and liabilities--/20
All assets and liabilities
long term planning--/10
Stage, years, pension and asset preparation
The financial resilience score measures a household's ability to withstand risks and continue to plan, and does not represent wealth ranking or investment profitability.
Overall summary
View the overall judgment after generating the report
status quoAssets, cash flows and liabilities are being summarized.
judgeThe system will identify the most critical financial contradictions at the moment.
priorityGive the next most valuable thing to do first.
monthly budget
Every time you earn 100 yuan, where does it go?
suggestion
View this month's budget recommendations after generating the report.
emergency fund
Build a safety cushion in life first
Current cash--
target reserve--
Early loan repayment analysis
Same money, two ways to repay it
Lower monthly payment
--Less monthly repayment --
Estimated interest savings --Shorten deadline
--Early -- pay off
Estimated interest savings --The calculation uses an estimate of equal amounts of principal and interest; the actual results are subject to the loan contract, bank recalculation rules and liquidated damages.
FIRE route
Long-term asset growth scenario
Assets included in FIRE--Investment assets + cash in excess of reserves
Not counted by default--Self-occupied real estate and other non-current assets
It is estimated based on the yield, inflation rate and safe withdrawal rate you fill in and does not represent a commitment to future returns.
next 12 months
The three most worthwhile things to do now
- 01
Once the report is generated, a prioritized action plan appears here.
View calculation caliber and important tips
Budget and Health Scores are based on data you actively fill out and are for family financial education and scenario planning only.
Mortgage loans are estimated based on equal amounts of principal and interest, with the interest rate unchanged, and do not include early repayment penalties, interest rate adjustments and taxes.
FIRE results use real rates of return after inflation and assume ongoing monthly investment. Market fluctuations can cause actual results to differ materially.
This tool does not recommend any specific securities, funds, insurance or loan products, nor does it constitute investment, tax or legal advice.
Family Financial Planning Tools
See your family budget, liabilities and retirement goals in one page
FileTiny is a free home finance analysis tool. It puts your salary, daily expenses, savings, mortgage and investment assets into the same financial snapshot to help you determine how much more you can save each month, whether your emergency fund is sufficient, and how close you are to retirement or FIRE financial freedom.
Household Budget and Cash Flow Analysis
Based on after-tax income, necessary living expenses, flexible consumption and monthly loan payments, monthly balances and savings rates are calculated to quickly identify persistent funding gaps.
Emergency fund calculation
Estimate a recommended 3 to 9-month safety cushion based on necessary expenses, monthly repayments and income stability, rather than applying a single amount.
Mortgage early repayment analysis
Compare the two options of lowering the monthly payment and maintaining the original monthly payment and shortening the term, estimate the interest savings, and check whether there is still enough cash after early repayment.
Retirement Planning and FIRE Calculation
After deducting retirement income such as pensions, annuities and rent stabilization, the long-term goals are calculated based on age, investable assets, monthly investment, rate of return and inflation.
FAQ
Regarding family financial analysis, you may also want to know
How much should you prepare for emergency funds?
This tool is based on necessary living expenses and monthly loan payments, and recommends preparing an emergency reserve fund of 3 to 9 months based on income stability. The more unstable the income, the longer the recommended coverage period.
Is it always worthwhile to pay off your mortgage early?
uncertain. It is necessary to compare the loan interest rate, interest savings, cash safety cushion after early repayment and bank penalty. This tool offers both shorter term and lower monthly payment estimates.
How is the FIRE financial freedom goal calculated?
First subtract fixed income such as pensions from monthly retirement expenses, then calculate target assets based on safe withdrawal rates, and make long-term estimates based on existing investment assets, monthly investments, rates of return, and inflation.
Will the household financial data entered be uploaded?
Won't. The current version completes calculations locally in the browser. Only if you actively turn on "Remember this data locally" will the data be saved to the current browser.
Do higher financial resilience scores mean higher investment returns?
no. The financial resilience score measures cash flow, reserves, liabilities, asset-liability structure and long-term planning completeness. It does not represent a wealth ranking, nor does it predict investment returns.
Will this tool recommend stocks or funds?
Won't. FileTiny only provides financial education, budgeting and scenario planning and does not recommend specific securities, funds, insurance or loan products and does not constitute investment advice.