Financial Assessment

A personal financial assessment tool that gives you a complete picture of your finances. It combines income analysis, asset tracking, pension projections across Swedish and foreign systems, mortgage analysis, FIRE readiness, and financial health scoring.

All data stays in your browser – nothing is sent to a server.

Swedish allmän pension uses the delningstal (divisor) system for inkomstpension (lifetime annuity) and a fixed drawdown period for premiepension. Tjänstepension contributions are auto-calculated from ITP1 rates based on your salary.

Foreign pensions use your specified monthly amount (state pensions) or capital-based drawdown projections (private pensions), converted to SEK at the exchange rates you set.

Your FIRE (Financial Independence, Retire Early) number is the portfolio size needed to sustain your expenses indefinitely. It's calculated as annual expenses divided by the withdrawal rate.

At a 4% withdrawal rate and 30,000 kr/month expenses, your FIRE number would be 9 million kr.

The health score evaluates five key metrics: savings rate (target: ≥20%), emergency fund (target: 6+ months), pension adequacy (target: ≥80% of expenses), housing cost ratio (target: ≤25%), and FIRE progress (target: ≥60%).

Each gets a green, amber, or red rating based on where you stand relative to these benchmarks.

All data is stored exclusively in your browser's localStorage. Nothing is sent to any server. You can export your data as JSON for backup, import it on another device, or clear it entirely at any time.

Net worth is your total assets minus your total liabilities. Assets include your ISK and investment accounts, pension capital, cash savings, and property value. Liabilities include your mortgage balance, student loans (CSN), and any other outstanding debt.

Your home is listed at market value, but the equity you actually own is value minus remaining mortgage. Many financial planners exclude cars since they are depreciating assets. Pension capital is included because it is real wealth, even if illiquid until retirement.

The most important thing is not the absolute number but the direction of travel. The financial health check puts your net worth in context alongside income, savings rate, and other metrics.

A common rule of thumb: 10% is a minimum, 20% is healthy, and 30% or more puts you on a path toward financial independence well before traditional retirement age.

Your savings rate is calculated as monthly savings divided by net income. It is one of the most powerful levers in personal finance because it is something you can control directly, unlike investment returns. A higher savings rate both increases what you invest and reduces the spending level your portfolio needs to sustain.

If your rate is below 10%, the budget tool can help identify where to adjust. If you are already at 20% and want to model your retirement timeline, the FIRE calculator shows exactly that.

The dashboard shares data with your other tools through your browser's localStorage, and the link is two-way and live. Your salary, municipality and age come from the salary calculator; your savings, spending and expected return from the FIRE calculator, budget and compound-interest tools; and your pension capital from the pension tool. Fields marked ⟲ sync both ways – change one here and the others update, and the reverse.

Nothing is synchronised to a server. Your data lives entirely in your browser and is only shared between tools on the same device. You can export as JSON for backup or to move to another device.

If the dashboard looks sparse, the finance flowchart walks through the recommended order for filling in your details across all tools.