VigilFi

Your professional financial resilience assessment tool. Understand your survival runway and take control of your financial health.

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Net take-home pay after taxes & benefits
Housing, utilities, groceries, insurance
Minimum payments (cards, loans, student)
Cash & easily accessible accounts
Index (0.5 = very cheap, 1 = baseline, 2 = very expensive)
Number of dependents (children, elders)
Select how predictable your income is
86
Financial Resilience Score

Excellent • 86/100

Survival: 4.29 months (130 days)

Emergency: 73
Debt Pressure: 94
Savings Health: 86
Income Stability: 100
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Personalized recommendations

  • You're in a strong position — maintain liquidity and monitor debt.

How VigilFi calculates your Financial Resilience Score

VigilFi combines survival runway with a weighted scoring model across six key financial indicators.

Why Financial Resilience Matters

Unexpected shocks—job loss, medical bills, vehicle repairs—are common. A clear assessment of how long your liquid savings can sustain you turns uncertainty into actionable planning.

Survival Runway Calculation

Your survival runway is calculated by dividing liquid savings by adjusted monthly mandatory expenses (housing, insurance, minimum debt payments, utilities). Adjustments account for local cost of living and conservative risk factors.

The Six Components

  • Emergency coverage (40%): Months of mandatory expenses covered by liquid savings.
  • Debt pressure (20%): Percentage of income consumed by debt payments.
  • Savings health (15%): Your monthly savings rate and buffer momentum.
  • Income stability (10%): Job security and income predictability.
  • Cost risk (10%): Local cost of living relative to baseline.
  • Dependents (5%): Impact of household size on per-person buffer.

Scoring Formula

Each component is scored 0–100 on a non-linear scale emphasizing practical thresholds (3, 6, and 12 months of survival). The final score is a weighted average reflecting financial priorities.

Limitations

This tool is for planning purposes only. It assumes no new income, uses conservative assumptions, and does not account for investments or tax implications. Consult a financial advisor for complex situations.

Disclaimer

VigilFi is an educational assessment tool provided for informational purposes only. It does not constitute financial, investment, or legal advice. Calculations are based on inputs you provide and use conservative assumptions. Actual financial outcomes may vary substantially. Consult a qualified financial advisor before making major financial decisions.

Scoring Methodology

Emergency Coverage: Calculates months your liquid savings cover mandatory expenses using a non-linear scale. Longer runways receive exponentially higher scores.
Debt Pressure: Measures debt-to-income ratio. Higher ratios reduce financial flexibility.
Savings Health: Combines savings buffer (65% weight) with monthly savings momentum (35% weight).
Income Stability: Categorical scoring based on employment type (stable/variable/at-risk).
Cost Risk: Adjusts for local cost of living. Higher costs reduce runway for the same nominal savings.
Dependents: Accounts for household size affecting per-person buffer and mandatory expenses.
Privacy: Your data never leaves your browser. All calculations run client-side. Close the tab and your information is gone.

About VigilFi

VigilFi helps you understand your financial resilience in minutes. Whether you're building an emergency fund, managing debt, or planning for the future, our tool provides clear, actionable insights into your financial runway.

Financial planning doesn't require complex spreadsheets or expensive advisors. Our calculator answers the core questions: How long can my savings last? What's my biggest risk? What should I fix first?