FINANCE · Financial wellness · Free financial health check
Financial Health Check: What Should You Address First?
Review 4 areas of your finances in about 2 minutes: reserves, debt burden, savings rate and assets.
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Initial estimate
This result is generated in your browser. Review the calculation method and limitations alongside it.
What is a financial health check?
A financial health check reviews 4 personal finance ratios: emergency liquidity, debt-to-income, savings rate and net worth. Use this tool for a free initial check.
What this financial health check estimates
- An overall rating (excellent, meets the benchmark or needs improvement)
- A transparent review of 4 financial ratios
- Suggested priorities for areas to address
- A link to a relevant next-step calculator based on your results
Financial health check calculation method
The assessment automatically uses benchmarks from the Thai Financial Planners Association (TFPA) and the Financial Planning Standards Board (FPSB).
Free financial health checks versus personalized advice
This free tool provides a brief financial health check for self-assessment. For a more detailed financial plan, see the full financial planning service.
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Read more
Explore articles that explain the topic and its limitations, while keeping educational information separate from personalized advice.
Frequently asked questions about financial health
What does a financial health check look at?
It reviews 4 areas: emergency savings (3–6 months), debt burden (<35–45%), savings rate (>20%) and positive net worth.
How often should I check my financial health?
Check every 6 months or when your income or debt payments change.
Does this financial health check cost anything?
No. You can use the calculator in your browser without creating an account. See the Privacy Policy for information about stored data and third-party services.
If my result says “Needs improvement,” what should I address first?
Start an emergency fund and stop taking on new high-interest consumer debt.
Is a debt service ratio (DSR) above 50% risky?
This is a high-risk level that may severely strain cash flow. Consider using a debt payoff plan.
What should I do with the result?
Use the suggested next-step tools, such as debt payoff, budgeting or retirement planning, to start taking action.