Moonshot Planning
Financial Health Check
Client Assessment
Step 1 of 6
1 About You

Let's get started

Tell us a little about yourself so we can personalize your financial vitals.

Please enter your name.
Please enter a valid date of birth.
Please enter your advisor's name.
2 Income

Your income

We'll use this as the denominator for your Savings, Burn, Debt, and Tax rates.

All sources before taxes — salary, business distributions, rental income, etc.
$
Please enter your income (must be > 0).
We'll use your state's top marginal income tax rate to estimate your Tax Rate.
Please select your state.
3 Cash Flow

Where your money goes

Together with taxes, these three buckets account for nearly every dollar of income.

401(k) including employer match, IRA, brokerage deposits, 529, plus any extra debt principal payments beyond the minimum.
$
Please enter a value ≥ 0.
Excludes debt payments, savings, and taxes. Just lifestyle: housing costs, food, utilities, transportation, subscriptions, travel, dining.
$
Please enter a value ≥ 0.
Required minimum payments only — mortgage P&I, HELOC, auto, student loans, business debt. (Extra principal goes under savings above.)
$
Please enter a value ≥ 0.
4 Balance Sheet

Your assets

Break your wealth into buckets — this powers your "years of runway" Term scores.

Cash set aside specifically for emergencies, savings specifically earmarked to this purpose. Enter 0 if no account is specified for this purpose.
$
Please enter a value ≥ 0.
Checking, savings, money market, and taxable brokerage accounts — after-tax money you could access.
$
Please enter a value ≥ 0.
401(k), IRA, Roth, 403(b), SEP, HSA, 529, and annuities.
$
Please enter a value ≥ 0.
Market value of all property minus the mortgage balances owed on it.
$
Please enter a value ≥ 0.
Estimated value of your ownership stake minus business debt. Enter 0 if you don't own a business.
$
Please enter a value ≥ 0.
Outstanding balances not tied to real estate or business — student loans, auto loans, credit cards. Enter 0 if none.
$
Please enter a value ≥ 0.
5 Investments

Your investment mix

This drives your Equity Rate — a gauge of how much market risk you're taking.

Stocks, equity ETFs, and equity mutual funds across all accounts (taxable + retirement).
$
Please enter a value ≥ 0.
Everything above, plus bonds, money market, and personal cash. Must be ≥ your equity value.
$
Must be ≥ your equity investment value.

Your Financial Vitals

Where your income goes

Savings, spending, debt, and taxes are the only four places your income can go. Ideally they account for close to 100%.

Your financial runway

Total Term is how many years you could sustain your lifestyle on current assets — the sum of your liquid, retirement, real estate, and business runway.

years of total runway (Total Term)

Risk & protection

How much of your investable assets are in equities, benchmarked to your age and time horizon.

SWOT Analysis

✓
Strengths
    ✕
    Weaknesses
      ◎
      Opportunities
        ⚠
        Threats

          Moonshot Planning does not provide tax or legal advice. This material has been prepared as an estimate and should not be relied upon for tax or legal advice. You should consult your tax or legal professional to ensure the validity of these calculations. Additionally, these calculations have been made given certain assumptions including, but not limited to, income, expenses, business revenue, and retirement plan contributions. The Financial Vitals framework is modeled on widely used financial-wellness methodology.