Personal financial planning tool

Financial Health Check

Add your income streams, spending, assets and liabilities. Zeno FinLab looks at your income trends, returns on what you own and the cost of what you owe, then scores how resilient and balanced your financial position is.

Your figures

Enter approximate amounts — everything stays in your browser and updates the assessment live. Tap thenext to any field for guidance.

Currency

Loading reference rates. Cross-currency amounts are excluded until available.

Stream

Monthly amount

Expected annual growth %

Currency

Personal Financial Statement details (optional)

Full name

Street address

City

Country

Purpose of statement

Your results

Complete your Zeno FinLab Healthcheck to see your financial health score

Add at least one income, spending, asset or debt figure above. Nothing is scored until there are real figures to score.

Educational insights

Educational observations based only on the figures above. Not investment advice, and no product or provider recommendations.

I understand this is an educational AI estimate, not professional advice, and I will verify important decisions with a licensed professional.

Requires a free sign-in. Nothing is sent until you press Generate insights. Only the figures needed for this analysis are processed by Google Gemini through Lovable's AI gateway; your name, address and holder details are not sent. AI output may be incomplete or inaccurate and is not professional advice.

Paid documents

Two separate documents: a Zeno FinLab Healthcheck Report and a Zeno FinLab Personal Financial Statement. Each is a one-off €4.90 and stays on your account, or unlock Zeno FinLab Plus at €9.90/month for unlimited access to Plus tools and included reports.

Zeno FinLab Healthcheck Report — €4.90

Your position and trends: health score and six-factor breakdown, income, spending and net worth analysis, property appreciation, debt stress indicators and your AI educational insights.

Overall score and six-factor breakdown
All charts in print quality
Trends across income, spending and net worth
Your AI educational insights

Zeno FinLab Personal Financial Statement — €4.90

A structured statement of assets, liabilities and net worth that you can share with a bank, adviser or other third party. Self-declared and not independently verified by the toolkit. Sold separately from the full report.

Important disclaimer

This tool provides an assessment of the information you enter only. It is not financial, investment, tax or legal advice, and it is not a recommendation to buy, sell or hold any product, security or property. Results depend entirely on the accuracy of the figures and assumptions you provide, and projections are illustrative, not predictions.

Your figures. The figures you enter stay in your browser unless you are signed in and choose to save them to your account. Figures are sent to Google Gemini through Lovable's AI gateway only at the moment you press “Generate insights” or “Estimate appreciation”, and only the figures needed for that analysis. Zeno FinLab keeps no separate copy of what is sent; the provider handles it under its own terms.

Speak to a licensed professional before making financial decisions.