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Piggy Banker

Learn All Things Finance (On Easy Mode)

Financial Health & Runway Diagnostic

Find out how long your money will last — and how much you're quietly losing every month.

5–7 minutes

In the next few minutes, you'll discover:

Your Financial Health Score vs. high performers
How much money you're leaking every month
Exactly which habits and blind spots are costing you
What your savings could grow to with compound investing

Step 1 of 6

Financial Snapshot

We need a few numbers to build your diagnostic. Don't overthink it — estimates are fine.

⚠

Business or Personal Name

Monthly Income / Revenue

$

Monthly Expenses

$

Cash in Bank

$

Total Debt (optional)

$

Include credit cards, loans, lines of credit

Monthly Payroll (if applicable)

$

Skip if solo or personal

Current Monthly Savings

$

What you actually put away each month

📊 Instant Financial Pulse

Step 2 of 6

Cash Flow Awareness

How well do you actually know your numbers? Most people overestimate this.

How well do you know where your money goes each month?

AI track every dollar — I can tell you my top 5 expense categories right now.

BI have a general idea, but I'd need to check my bank statements for specifics.

CI look at my balance and if it's not going down, I figure I'm fine.

DHonestly, I have no idea. Money comes in, money goes out.

Do you know your monthly burn rate — how much you need to survive?

AYes, I know my exact fixed costs, variable costs, and minimum viable budget.

BI know roughly what my bills are, but I haven't calculated a real burn rate.

CI've never thought about it in those terms.

DI don't even know what burn rate means in this context.

How often do you review your finances?

AWeekly — I have a system and it takes me 15 minutes.

BMonthly, usually when I pay bills or do invoicing.

CQuarterly, maybe. Or when something feels off.

DI avoid looking. If it's bad news, I'd rather not know.

💸 Cash Flow Awareness Score

Step 3 of 6

Expense Control

This is where most people quietly bleed money. Let's see how tight your ship really is.

When was the last time you audited your subscriptions and recurring charges?

AWithin the last month — I keep a running list and cut what I don't use.

BA few months ago. I probably have some stuff I'm paying for and not using.

CIt's been over a year. I know there's waste but I haven't looked.

DI've never done a full audit. I have no idea what I'm paying for.

How has your lifestyle or spending changed as your income has grown?

AI've been intentional — increased savings rate before increasing spending.

BSome lifestyle upgrades, but I've tried to keep it reasonable.

CMy spending has basically matched my income growth.

DI spend more than I should. I upgraded everything when money started coming in.

Do you know the split between your fixed costs and variable costs?

AYes — I know exactly what's locked in vs. what I can cut tomorrow.

BI have a rough sense but haven't mapped it out formally.

CNot really. I just pay what comes in.

DI don't think about expenses in categories at all.

🔍 Expense Control Score

Step 4 of 6

Decision Making

You're making decisions worth thousands with no data. That's expensive. Let's measure it.

When you make a big financial decision ($5K+), what's your process?

AI model it out — ROI, payback period, impact on cash flow. Then decide.

BI think about whether I can afford it and whether it makes sense.

CI go with my gut and figure out the details later.

DI avoid big decisions or make them impulsively under pressure.

How do you decide between investing, saving, and paying down debt?

AI have a framework — emergency fund first, then high-interest debt, then investing by risk profile.

BI try to do a bit of everything but don't have a formal strategy.

CI mostly just save in a checking account or pay minimums on debt.

DI'm not investing or saving consistently. It all goes to expenses.

If you're a business owner: how do you decide when to hire or make a major purchase?

Skip mentally if purely personal — answer how you'd approach it.

AI model the financial impact — breakeven timeline, effect on margins, cash flow stress test.

BI look at whether revenue can cover it and make a judgment call.

CI hire when I feel overwhelmed and buy when I think I need it.

DI've made some hires or purchases that I realize were premature or expensive.

🎯 Decision Making Score

Step 5 of 6

Financial Systems

This is fixable, but it requires systems — not willpower. Let's see what you're working with.

What tools do you use to manage your finances?

AA dedicated system — accounting software, budgeting app, and/or a CFO or bookkeeper.

BSpreadsheets and my bank app. It works, mostly.

CI use my bank's app or just check my balance on my phone.

DI don't really use any tools. I keep it in my head.

How much of your financial workflow is automated?

ABills auto-pay, savings auto-transfer, transactions auto-categorize. It runs itself.

BSome bills are on auto-pay, but I still do a lot manually.

CVery little. I manually pay most things and track nothing automatically.

DNothing is automated. I react to bills as they come.

Could you produce a clear financial summary of the last 6 months in under 30 minutes?

AYes. My system generates reports — P&L, cash flow, balance sheet — in minutes.

BI could pull something together from bank statements, but it would take a while.

CIt would take me hours and it still wouldn't be very accurate.

DNo. I wouldn't know where to start.

⚙️ Financial Systems Score

Step 6 of 6

Risk & Runway

How long can you survive if the income stops? This is where financial health gets real.

How many months could you survive if your income stopped tomorrow?

A12+ months — I have an emergency fund and low fixed costs.

B3–6 months if I cut discretionary spending.

C1–2 months at most.

DI'd be in trouble within weeks.

Do you have a plan for a financial emergency — medical, legal, economic downturn?

AYes — emergency fund, insurance, and a drawdown plan if revenue drops.

BI have some savings but no formal plan.

CI'd figure it out when it happens. I don't have a plan.

DI'm already in a financial emergency and I'm not sure what to do.

How stable and diversified is your income?

AMultiple streams — salary + investments + side income. No single point of failure.

BOne main source but it's stable and growing.

COne source and it's unpredictable — feast or famine.

DI'm not confident in any of my income streams right now.

🛡️ Risk & Runway Score

✓ ANALYSIS COMPLETE

Your report is ready.

Enter your details to unlock your full Financial Health Report.

Your Score

62

Annual Opportunity

$24,000

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