The foundations under the plan.

Cash flow, reserves, and debt decide whether a retirement plan survives a bad year. Compare them with your goals and prepare questions for a financial review.

Time: About 2 minutes
Cost: Free, no sign-in
Pairs with: The Wealthspan Wheel

The Medicine Check: Wealthspan checkup

Your monthly snapshot

Enter broad monthly totals first. These are enough to compare cash flow, payroll savings, and emergency reserves with your entered goals.

Monthly gross income (before tax and retirement savings) Monthly take-home income Monthly essentials / needs Monthly wants Monthly take-home savings and debt payments Retirement / HSA payroll savings Emergency fund balance Total assets Total debts High-interest debt Emergency fund goal 3 months Needs target Wants target Take-home savings/debt target Retirement savings goal

Your wealthspan checkup will appear here. Use the quick form to calculate cash flow, savings alignment, net worth, and review prompts.

Educational planning tool adapted from the Wealthspan Plan workbook. The 50/30/20-style targets are flexible budgeting heuristics, not a rule. Emergency fund needs depend on income stability, dependents, health costs, insurance, and access to other liquidity. This is not financial, tax, legal, or investment advice.

Put the comparisons in context.

Cash flow, emergency reserves, and retirement savings describe different parts of a plan. A monthly savings gap and an emergency-fund balance gap have different units and should be reviewed separately.

The results use your entered targets. Use them to prepare questions for a qualified financial professional who can consider your wider circumstances.

Where this leads