Financial Clarity
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Clarity Calculator

Planning and Prospering

Find your monthly surplus or gap, and build your financial safety net, in minutes.

App-ready experience
Online & synced locally
Income vs. Expenses
Emergency Fund
Debt
Monthly income (after tax)
Fixed expenses (same every month)
Variable expenses (changes monthly)
Savings and investments
Your results
Total monthly income
Total monthly expenses
Monthly surplus / gap
Savings rate
Housing
Debt payments
Savings
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Your Financial Health Score
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out of 100
Run the calculator
Your personalized score will appear here
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Available voices depend on your device. Look for “Enhanced” or “Premium” for the most natural sound.
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What To Do Next
1
Run your income clarity calculation to unlock next-step guidance.
How You Compare
Recommended savings rate
20%
Recommended housing range
28–30%
Your savings rate
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Your housing ratio
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Money Snapshot
$0
Income
$0
Expenses
$0
Surplus
Start over
Monthly essential expenses only
Your current situation
Your emergency fund targets
Monthly essentials
Currently saved
3-month target
6-month target
Progress toward 3-month fund
Progress toward 6-month fund
Months to 3-month fund
Months to 6-month fund
Ready for a real plan?
Book a free 30-min strategy session with Emmanuel. We'll turn your score into a step-by-step financial plan.
Book a free call
Track your progress
Join Clarity Money free and watch your score improve month over month — no credit card needed.
Join Clarity Money
Start over
Credit card debt
Student loan debt
Auto loan
Other debt (personal loan, medical, etc.)
Your income (for debt-to-income ratio)
Your debt snapshot
Total debt balance
Total monthly payments
Debt-to-income ratio
Total interest cost
Debt-to-income ratio
Credit card payoff (min pmt)
Highest-rate debt first
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