The Financial Audit
Enter one month of your real numbers. The audit runs them all at once and gives you a single grade.
Income
Debt
Monthly spending
Savings
Financial Audit Calculator — One Grade for Your Whole Money Life
What this calculator does
This is the flagship LifeCost audit. It takes one month of your real numbers, adds them up, and returns a single scorecard: cash flow, real net worth, and a letter grade. The grade is not a budgeting score; it is a survival-of-math score.
The math, with a worked example
Net monthly cash flow = take-home income − rent − subscriptions − food delivery − other expenses − credit card interest. Real net worth = savings + car value − credit card debt − car loan balance. Grade starts at A and drops if cash flow or net worth turn negative, with extra penalties for deep deficits. With $3,500 take-home, $3,000 in credit cards at 24.99%, an $18,000 car loan on a $15,000 car, $1,200 rent, $85 subscriptions, $180 delivery, $800 other expenses, and $500 savings, the cash flow is negative, net worth is deeply negative, and the grade is D or F.
Why this matters
One month of real numbers grades your whole money life: cash flow after every expense line, net worth counting debts against savings, one letter grade. The audit is the site's flagship because it routes you to the specific calculator that fixes whatever dragged the grade down.
Methodology and transparency
Cash flow = take-home − rent − subscriptions − delivery − other − credit card interest; real net worth = savings + car value − card debt − car loan; the grade starts at A and drops per red flag (negative cash flow, negative net worth, high-APR debt, underwater car). The inputs are one month's snapshot — an unusually good or bad month grades the month, not the life, so use a typical one. Everything runs in your browser; no data is sent or stored.
Last reviewed: 2026-08-08
Common questions
How is the grade calculated?
A means positive cash flow and positive net worth. The grade drops to B, C, D, or F as cash flow turns negative, net worth turns negative, or the deficit becomes severe relative to income.
Why include the car value?
Because real net worth counts what you own minus what you owe. A car loan without the car value would overstate the debt.
What should I do with my grade?
Click the driver links the audit gives you. Fix the biggest driver first, then rerun the audit.
Is this financial advice?
No. It is arithmetic. It shows where the numbers are going so you can make a better decision.