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
Loading reference rates. Cross-currency amounts are excluded until available.
Personal Financial Statement details (optional)
Your results
Educational insights
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.
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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.
Questions
Frequently asked questions
The Healthcheck turns the figures you enter — income, living costs, debt payments, savings, assets and liabilities — into a structured picture of your current financial position. It calculates your net worth (total assets minus total liabilities) and your monthly surplus (income minus living costs and debt payments), then combines six measures into a single Financial Health Score from 0 to 100.
The six factors
Each factor is scored from 0 to 100 and contributes exactly one sixth of the overall score:
- Savings rate — the share of income left after spending and debt payments. It scales from 0 at 0% to 100 at 25% or more.
- Emergency buffer — how many months of spending your accessible cash would cover, scaling from 0 to six months.
- Debt service — the share of income used for debt payments. It scores 100 at 15% or less and 0 at 40% or more.
- Asset return versus debt cost — whether your assets are expected to earn more than your borrowing costs, across a −5 to +5 percentage-point gap.
- Leverage — total debt compared with total assets. It scores 100 at 20% or less and 0 at 80% or more.
- Income diversity — how concentrated your income is. It reaches 100 when no single source provides more than half of your income.
The six are weighted equally because each describes a different part of financial resilience; no single measure is treated as a complete view.
How your inputs affect the result
Raising income or lowering spending improves the savings rate and, over time, the buffer. Larger debt payments reduce the debt-service score, and more borrowing relative to what you own reduces the leverage score. Entering debt payments as spending as well would count them twice, so they should appear only once.
What the score can and cannot tell you
The score is a structured educational indicator. It shows which parts of your position look stronger or weaker against fixed, published thresholds, and lets you see how the picture changes as figures change. It is not a financial recommendation, a credit score or a judgement about what you should do. It does not know your goals, obligations, tax position, family circumstances or appetite for risk.
Important limitations
- The assessment depends entirely on the completeness and accuracy of the information you provide.
- It reflects a single point in time; irregular income or one-off costs may not be represented.
- The thresholds are fixed reference points, not personal targets.
- The ten-year illustration relies on assumptions (entered income growth, 2.5% annual spending growth and current asset returns) and is not a forecast.