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Your financial picture

See how cash flow, reserves, responsibilities, healthcare and goals connect. You can skip what you do not know and return after checking your records.

A young Filipino adult reviewing notes beside a laptop at home.
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1. Household and monthly cash flow

Use pesos per month, after tax and business expenses. Leave an amount blank if unknown. Enter 0 only when it really is zero. Essential living costs exclude debt payments, discretionary spending and the annual-bills provision entered separately.

2. Accessible resources and coverage

Accessible savings means money available for emergencies, not a home, inaccessible retirement fund or money already assigned to the same goal. Coverage amounts do not establish adequacy by themselves.

3. Goals and retirement

Enter years until the money is needed. Zero can mean now, including retirement already started. These timeframes trigger lessons; they do not generate a product selection.

After changing an answer, select “Review my financial picture” again to refresh the summary.

How the educational priorities are chosen

No score or product recommendation is used. Unknown cash flow or a negative monthly balance comes first. Less than one month of reported essential-expense reserves is a starter-reserve trigger, not a universal minimum. Dependents with no identified life protection and known healthcare gaps follow. Retirement within ten years prompts an income-gap review, not an underfunding conclusion. A reserve below your selected target, unknown resources/coverage and a goal within three years prompt relevant lessons. Only the first three triggered priorities are shown; other checks may still matter.

Cash-flow balance subtracts entered essential expenses, debt payments, annual provision and discretionary spending from income. Unknown amounts are not silently treated as complete costs. Reserve months divide savings by positive essential expenses only. A zero denominator produces “Unknown.” The selected reserve target equals essential expenses × selected months; remaining gap cannot fall below zero. Life coverage is never compared with an invented responsibility amount.

Printable financial-picture worksheet

Fill this in on screen or print it. Entries stay in these fields for this visit; this worksheet does not save or send them.

Next steps

Cash-flow guide →Protection responsibilities →Contact an educator →

Educational information. Examples use explicitly stated assumptions; actual costs, returns, benefits and personal circumstances vary.