The foundations under the plan.

Cash flow, reserves, and debt decide whether a retirement plan survives a bad year. This checks them and tells you what to fix first.

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

5-minute checkup

Enter broad monthly totals first. These are enough to produce a Wealthspan score and next actions.

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 next best actions.

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.

Order of operations beats optimisation.

It is tempting to optimise the investment side while the foundations are still shaky. In practice a thin emergency fund and high-interest debt will undo more of a plan than a slightly suboptimal asset allocation ever will.

The output here is deliberately ordered. Work down the list rather than across it, because fixing reserves before debt, or debt before investing, changes the outcome more than the size of any single move.

Where this leads