Rytvae Consulting · Think Right · Invest Right
Personal Finance Ratios
Result
Chart
Show formula & working
Savings ratio = (take-home − expenses − EMIs) ÷ take-home · Liquidity = liquid assets ÷ monthly (expenses + EMIs) · Debt-to-income = EMIs ÷ gross income
Solvency = net worth ÷ total assets · Leverage = loans ÷ total assets · Investments ÷ net worth
Details
How this works
Like a company's financial ratios, these six numbers give a quick health check of your own finances.
The ranges shown are common rules of thumb — useful markers, not targets everyone must hit. Young earners will often have lower solvency; that should improve with time.
Frequently asked questions
Which ratio matters most?
Savings and liquidity first — they keep you out of trouble. Debt-to-income matters when you plan to borrow, as lenders look at it closely.
Why gross income for debt-to-income?
Lenders usually measure EMIs against gross or net income in their own way; gross is the common convention.
What counts as an investment?
Assets bought to grow — funds, shares, PF, PPF, NPS. A home you live in is an asset but not an investment here.