What is a healthy savings ratio?

A healthy savings ratio is typically 20% or more of your gross income, ensuring enough funds are being set aside for future goals.

Why is the liquidity ratio important?

The liquidity ratio measures your ability to cover emergency expenses without selling long-term assets like property or stocks.

Personal Financial Ratios Calculator

Audit your financial health with 7 key ratios: savings rate, debt-to-income, liquidity, solvency, and more.

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Documentation

Quick Summary: Personal Financial Ratios Calculator

Personal Financial Ratios provide a snapshot of your money health in FY 2026-27. Key metrics include the Savings Ratio (should be 20%+), Debt-to-Income Ratio (should be <35%), and Liquidity Ratio (3-6 months of expenses), helping you identify areas for improvement in your wealth journey.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.

Personal Financial Ratios Calculator

Audit your financial health with 7 key ratios: savings rate, debt-to-income, liquidity, solvency, and more.

Monthly Income (In-Hand)

₹

Monthly Savings/Investments

₹

Monthly Debt EMI Paid

₹

Total Monthly Expenses

₹

Total Liquid Assets (Cash, FD, Stocks)

₹

Total Assets Owned (Net Worth side)

₹

Total Outstanding Liabilities (Loans)

₹

Your Financial Vitals

Savings Ratio

2500.0%

Status: Excellent (Target: > 20%)

Debt-to-Income Ratio

3000.0%

Status: Good (Target: < 35%)

Emergency Fund (Liquidity)

6.7 Months

Status: Excellent (Target: 6+ months)

Solvency Ratio (Assets/Debt)

2.50x

Status: Excellent (Target: > 2x)

Net Worth

₹30,00,000

Total Assets minus Total Liabilities

What does this mean?

• Savings Ratio measures how much of your income you keep. Standard rule is 20%.
• Debt-to-Income Ratio measures how much of your pay goes to banks. Over 40% will cause loan rejections.
• Liquidity Ratio shows how many months you can survive without income. Standard is 3 to 6 months.
• Solvency Ratio shows if you'd survive bankruptcy. A ratio above 1 means your assets cover your debts.