Financial Health Check
Understand your financial position. Eight automated parameters from cash flow and balance sheet.
Personal Data
Fill your personal information
Cash Flow
Enter amounts in Rupiah. Subtotals are calculated automatically.
A. Monthly income
B. Annual income (non-recurring)
C. Monthly expenses
PRIMARY — Essentials & protection
SAVING & INVESTMENT
LIABILITY — Installments
SECONDARY — Lifestyle & social
D. Annual expenses (non-recurring)
E. Additional protection data
Balance Sheet
Current market values. Debt = outstanding principal balance.
Assets
1. Liquid assets (< 30 days)
2. Investment assets
3. Personal use assets
Liabilities
4. Short-term debt (< 1 year)
5. Long-term debt (> 1 year)
Financial Health Summary
Income / month
Rp45.000.000
Expenses / month
Rp37.500.000
Total assets
Rp1.740.000.000
Net worth
Rp665.000.000
A. Liquidity
A1
Liquidity Ratio
0,67×
Dual Income: ≥ 3 months of spending
Emergency buffer: how many months of spending liquid assets can cover without income.
A2
Liquid Asset to Net Worth
3,8%
Target: 15% – 25%
Share of cash and equivalents in net worth — how liquid your wealth is.
B. Saving & Investment
B1
Saving Ratio
8,9%
Good: ≥ 20% · Minimum: ≥ 10%
Percentage of income allocated to regular savings or investments.
C. Debt & Liabilities
C1
Debt to Asset Ratio
61,8%
< 30%: Healthy · 30–50%: Moderate · > 50%: High risk
Share of total assets still financed by debt.
C2
Debt Service Ratio (DSR)
18,9%
< 30%: Healthy · 30–40%: Caution · > 40%: Danger
Total installment burden (mortgage + non-mortgage) vs monthly income.
C3
Non-Mortgage DSR
7,8%
< 15%: Healthy · 15–20%: Caution · > 20%: Danger
Consumer installment burden (excluding mortgage) vs income.
D. Net Worth
D1
Investment Asset to Net Worth
17,3%
≥ 50%: On Track · 25–49%: Building · < 25%: Early stage
Share of net worth already working as investment assets.
D2
Solvency Ratio
38,2%
> 50%: Healthy · 30–50%: Moderate · < 30%: Caution
Net worth as a share of total assets — higher means lower bankruptcy risk.
Disclaimer
Results are informational and not personal financial advice. Methodology follows AAH Financial Health Check (COVER > CASHFLOW > NERACA > FINANCIAL CHECKUP). Consult a certified financial planner at Alife Advisory House for a tailored plan.
Note
Age, annual expenses (section D), and protection data (UP, BPJS, insurance) are for consultation only — not used in the 8 ratios.