FREE INTERACTIVE MONEY CLARITY TOOL
YOUR MONEY MAMACLARITY • CONFIDENCE • WEALTHExplore free tools
The free Five Numbers tool

Five numbers.
One clearer picture.

Use annual estimates. You do not need perfect numbers to see what you know, what you need to find, and which questions deserve attention.

01

Include both spouses’ earned income plus bonuses, equity, business, rental, investment and other household income.

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02

Include housing, childcare, school, travel, debt payments, healthcare and irregular family expenses.

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03

Include cash, investments, retirement accounts, property, businesses, vehicles and children’s accounts.

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04

Include mortgages, student loans, car loans, credit cards and other household obligations.

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05

Cash and cash-like assets available without selling long-term investments or borrowing.

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Your clarity snapshot

Start entering your numbers.

Your results will update here.

Net worth—Total assets minus total debts
Pre-tax cash-flow margin—Income minus expenses before taxes
Liquid-asset runway—Accessible cash ÷ monthly expenses
Assets that are liquid—Liquid assets ÷ total assets

Questions worth asking

  • Which number was hardest to find?
  • Do both spouses know where these numbers came from?
  • What meaningful family goal is missing from this snapshot?
The five numbers are your starting point

Now build the complete family picture.

Continue with another free tool to explore your assets, debts, priorities and next actions.

Explore more free toolsFree educational resources
Educational estimates only. This tool does not calculate taxes or provide individualized financial, investment, tax or legal advice. A positive pre-tax margin is not the same as after-tax surplus.