Financial Checkup

Read the snapshot before making a decision

The checkup looks at three different questions: whether your monthly plan balances, how long emergency savings can cover essentials, and whether an upcoming major obligation has funding. A healthy monthly average can still hide a bill due before payday. Use Safe-to-Spend next to examine that timing.

Use take-home income after payroll deductions. Count food, rent, transport and utilities under essentials, debt minimums separately, and savings as a planned contribution. Uncommitted cash excludes both emergency savings and amounts already assigned to routine bills. The upcoming obligation is an additional, unfunded expense due before your next income.

How the status is calculated

Kasyafi applies these rules in order. The first matching rule sets your status. These are disclosed planning thresholds, not official lending criteria or a universal financial-health score.

A fictional ₱40,000 monthly example

Take-home income of ₱40,000 minus ₱23,000 of essentials, ₱5,000 of minimums and ₱3,000 of planned savings leaves ₱9,000. Emergency savings of ₱20,000 cover ₱28,000 of essential outgoings for about 0.7 months. Minimums use 12.5% of income.

This produces TIGHT even though the monthly budget is positive. The missing starter reserve matters. The likely Money Ladder focus is Protect; it does not mean you should stop required debt payments or commit the entire surplus without checking dates.

Assumptions and limits

The reserve baseline includes debt minimums. One month is the starter target; three months is the full baseline for this short checkup. A family with variable income or dependents may choose more. Debt ratios use take-home pay, unlike lenders that may use gross income. No income means the ratio is undefined, not zero.

The checkup cannot verify whether past payments are current, whether income is dependable, or whether savings are accessible. It treats a savings contribution as saving, not proof of long-term investing, so use the Money Ladder quiz for that additional context. Figures are rounded for display; calculations use integer centavos.