Personal Financial Health Scorecard Excel — The 4-Pillar Framework (Liquidity, Profitability, Solvency, Efficiency)

Applies the same 4-pillar framework used to assess company financial health -- liquidity, profitability, solvency/leverage, and operating efficiency -- to your personal finances. Enter your liquid assets, income, savings, debt, and net worth, and the spreadsheet calculates a 0-100 score for each pillar (benchmarked against widely-cited personal finance research thresholds like a 3-6 month emergency fund and a 20% savings rate), plus an overall Financial Health Score and radar chart profile.

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