Calculators — De Gaglia Financial Wellness

Financial wellness calculators

This private prototype includes ten neutral calculations: net worth, cash flow, debt-to-income, savings rate, liquid-reserve months, compound growth, budget, housing payment, college funding, and retirement funding.

The Mathematical Financial Snapshot organizes the visitor’s entries, fixed formulas, assumptions, and side-by-side scenarios into a printable record that the visitor may independently discuss with a qualified professional. It does not select a scenario, interpret results, or recommend any change.

All figures are calculated in the browser and are not intentionally stored or transmitted by the calculator. Paid access and public launch remain disabled pending final pricing, privacy testing, and written broker-dealer compliance and legal approval.

Financial wellness calculators

Choose a category, enter your own figures and assumptions, and compare mathematical outcomes. The calculators do not select a scenario or tell you what to change.

Privacy: calculations and the printable snapshot are created in your browser. The tool does not ask for names, addresses, account numbers, Social Security numbers, login credentials, or uploaded statements, and it does not intentionally store or transmit the figures entered.

Net worth

Total assets ($)Total liabilities ($)

Formula: total assets − total liabilities.

Monthly cash flow

Monthly income ($)Essential monthly expenses ($)Other monthly expenses ($)

Formula: monthly income − essential expenses − other expenses.

Debt-payment-to-income ratio

Gross monthly income ($)Monthly debt payments ($)

Formula: monthly debt payments ÷ gross monthly income × 100. The result is not compared with a lender standard.

Savings rate

Monthly income used for this calculation ($)Monthly amount saved ($)

Formula: monthly amount saved ÷ the income figure entered × 100.

Liquid-reserve months

Liquid funds included ($)Essential monthly expenses ($)

Formula: liquid funds ÷ essential monthly expenses. The tool does not set a target number of months.

Compound-growth scenario

Enter a hypothetical rate for illustration. It is not a recommended or expected return.

Starting balance ($)Monthly contribution — baseline ($)Monthly contribution — Scenario B ($)YearsHypothetical annual growth (%)

Method: monthly compounding with contributions at the end of each month. Ending balance = starting balance compounded monthly + future value of monthly contributions.

Annual budget summary

Use the three totals below, or total your detailed categories before entering them.

Total annual income ($)Total fixed annual expenses ($)Total variable annual expenses ($)Planned annual savings allocation ($)

Formulas: spending = fixed expenses + variable expenses; planned outflow = spending + planned savings allocation; annual cash difference = income − planned outflow; monthly mathematical average = annual difference ÷ 12. Do not include the same savings allocation inside fixed expenses.

Housing payment scenario

This calculates the payment associated with the price and assumptions entered. It does not determine affordability, approval, or a purchase range.

Purchase price ($)Down payment ($)Annual interest rate (%) Mortgage term (years)Annual property taxes ($)Annual homeowners insurance ($) Monthly HOA/other housing costs ($)Monthly mortgage insurance entered ($)Gross monthly income ($) Other monthly debt payments ($)

Method: fixed-rate monthly amortization. Enter any monthly mortgage-insurance figure supplied for the scenario; the tool does not infer lender rules. Taxes, insurance, HOA, mortgage insurance, and other debt are not amortized. Maintenance, utilities, closing costs, taxes on a sale, and lender-specific charges or rules are not modeled unless included in an entered field.

College funding scenario

Enter a current cost and your own hypothetical inflation and growth assumptions. No account type, provider, or investment is analyzed.

Current annual college cost represented ($)Years until enrollmentNumber of annual cost payments Hypothetical annual cost inflation (%)Current savings balance ($)Monthly contribution — baseline ($) Monthly contribution — Scenario B ($)Annual contribution increase (%)Hypothetical growth before enrollment (%) Hypothetical growth during college (%)

Method: savings use the effective monthly rate mathematically corresponding to the entered annual growth assumption, with contributions at month-end and any increase applied after each 12 contributions. Each annual college cost is inflated to its payment year, then discounted to enrollment using the entered during-college growth assumption so costs and savings are compared on the same date.

Retirement funding scenario

The withdrawal model is a present-value calculation for equal annual withdrawals. It is not a safe-withdrawal-rate analysis or prediction.

Current retirement savings ($)Years until withdrawals beginAnnual contribution — baseline ($) Annual contribution — Scenario B ($)Annual contribution increase (%)Hypothetical growth before withdrawals (%) Annual amount funded from savings, in today’s dollars ($)Annual inflation assumption for that amount (%)Number of annual withdrawalsHypothetical growth during withdrawals (%)

Method: savings are compounded annually with year-end contributions. The modeled first withdrawal occurs at the end of the first retirement year and is the visitor-entered current-dollar amount inflated to retirement. Later withdrawals increase by the entered inflation assumption. The retirement-date value uses a growing ordinary-annuity formula. Taxes, fees, sequence risk, Social Security, pensions, irregular withdrawals, longevity beyond the entered period, and circumstances not entered are omitted.

Mathematical Financial Snapshot

This section records only calculators completed during this browser session. It does not interpret the figures. Complete or revise any calculator, then return here.

No calculations have been completed in this session.

Optional User-Defined Goal Progress Index — private prototype

The index can include only metrics already calculated and targets you enter below. It is a mathematical average of progress toward those targets, capped at 100% per component. It is not a measure of financial health, creditworthiness, risk, suitability, or probability of success.

Complete calculations to make metrics available.

For an “at least” target: component = min(100, max(0, result ÷ target × 100)). For a “do not exceed” target: component = 100 when result ≤ target; otherwise target ÷ result × 100. The overall index is the simple average of included components. Missing targets are excluded.

Educational use only — prototype method version 2.0. This Mathematical Financial Snapshot is generated solely from information and assumptions entered and fixed formulas described on this page. It does not verify accuracy or completeness and does not consider circumstances not entered. Scenario results are hypothetical mathematical illustrations—not predictions, probabilities, promises, or guarantees. An assumed growth rate is used only to illustrate compounding and is not a recommended or expected investment return. No security, investment strategy, allocation, account type, rollover, loan, tax treatment, insurance product, or transaction is analyzed or recommended. The report does not tell the visitor what action to take and does not create a brokerage, investment-advisory, fiduciary, tax, legal, mental-health, or other professional relationship. It may be retained for personal records or independently discussed with a qualified professional. This is not a credit score or consumer report and is not designed or permitted for credit, insurance, housing, employment, or other eligibility decisions.