Wealth Health Score
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Coach
Net Worth
By Category
| Category | Value | % |
|---|
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Financial Independence
Cash Flow
Set income / expenses
Retirement Monte Carlo (5,000 paths)
Big Decision Simulator
Buy vs Rent demo (edit defaults in your console: THV2V56.buyVsRent({...}))
Liquidity Ladder
Portfolio Greeks (Black-Scholes aggregated Δ Γ Θ Vega)
Estate Planning
Methodology & rigor
Wealth Health Score: composite of 8 personal-finance factors (savings rate, emergency fund coverage, debt-to-income, net worth growth, retirement-on-track, tax efficiency, insurance adequacy, estate readiness). Each factor scored 0-100 with weights set per Vanguard "Roadmap to Financial Wellness" research; deterministic — no LLM in scoring.
FI projection: future-value compounding with Monte Carlo across historical S&P 500 + bond returns. The displayed FI year is the median path; bands at the per-security-page level show 5th / 95th percentiles. Defaults: 7% real equity return, 2% real bond return, 4% safe withdrawal rate (Bengen 1994 / updated Trinity Study).
Limitations: assumes constant savings rate over the projection horizon; ignores Social Security, pension, and lump-sum events unless explicitly entered. Tax estimates use 2024 brackets — re-validate when entering a new tax year. Monte Carlo uses historical returns and may underestimate tail risk (regime breaks).
Sources: Bengen (1994), Trinity Study (Cooley/Hubbard/Walz 1998), Vanguard "How America Saves", IRS Pub 590-A/B, FINRA BrokerCheck (insurance suitability rules).