Aggregating is nothing. Understanding is everything.
55 ratios. One score. The truth about your financial situation. The terminal applies to your personal situation what financial analysis has done for companies for decades: ratios, calculated continuously, brought down to one legible global score.
55 ratios, one score
From the Early Pro plan
The global score sums up your financial health. Behind it, 55 ratios calculated continuously, organised in families:
- Liquidity — cash relative to income, burn rate, runway.
- Savings and cash flow — savings rate, disposable income, monthly and annual cash flow, share of fixed and variable spending.
- Debt — debt-to-income ratio, weight of loan repayments, remaining borrowing capacity, debt coverage.
- Financial independence — share of passive income, financial independence rate, FIRE ratio.
- Resilience — financial resilience and security, room for manoeuvre, fixed-spending coverage.
- Tax — effective tax rate.
Tracked over time
From the Early Pro plan
Every ratio is recorded over time. You don’t just see where you stand: you see what moves, and in which direction. Detailed portfolio analysis completes the picture: TWR performance, concentration, risk, geographic exposure.
The terminal absorbs complexity
55 ratios is not 55 things to understand. It is one score, a few families, and the detail for those who want to dig. The complexity is in the calculation, not on the screen. Aggregation and the essential budget remain free and simple, for everyone.