How are the financial health grades determined?

Grades are based on savings rate, housing cost ratio, and fixed expense ratio — rated Risk / Caution / Good / Excellent. A savings rate of 20%+ reaches Good; 30%+ reaches Excellent.

Why is my savings rate low?

Fixed expenses (housing, insurance, subscriptions) exceeding 50% of take-home, or high discretionary spending (hobbies, dining), reduce savings rate. Keeping housing under 30% is the most impactful lever.

I got a 'Risk' grade. How do I improve?

Cut the largest expense first. Trimming telecom and subscription services (3–5M won/month) and reducing dining out are quick wins. Auto-transferring savings on payday (pay yourself first) is also highly effective.

14 categories seems like a lot. Can I input fewer?

Yes. Entering just the top 4–5 essential categories (housing, food, transport, telecom) gives a basic diagnosis. Leave the rest at zero — they count as disposable income.

Is this an official financial assessment?

No. This tool is a reference diagnosis based on general financial ratio guidelines. For accurate financial planning, consult a certified financial planner.

2026 Finance Check — Savings Rate & Spending Analysis

Savings rate, housing, fixed costs, and food diagnosis

Annual Salary

×₩10K

Financial health grade

—

A+90+

A75–89

B+60–74

B45–59

C30–44

D<30

Savings rate≥20% recommended

—

Housing ratio≤30% recommended

—

Fixed costs ratio≤50% recommended

—

Food ratio≤15% recommended

—

Enter your expensesMonthly · auto-calculated vs. take-home

Housing Rent / maintenance

–×₩10K

Food Groceries / dining

–×₩10K

Transport Transit / fuel / car

–×₩10K

Telecom Phone / internet

–×₩10K

Insurance Medical / life ins.

–×₩10K

Subscriptions Netflix · YouTube, etc.

–×₩10K

Leisure Sports / hobbies

–×₩10K

Savings Savings / funds / stocks

–×₩10K

Clothing Clothes / beauty

–×₩10K

Education Courses / books

–×₩10K

Medical Hospital / meds

–×₩10K

Other Misc / events

–×₩10K