Financial health check calculator

How to use the financial health check calculator

What it does: Run the eight ratios a lender checks first, using your balance sheet and the last 12 months of income.

When to use it: Use it before a big decision: buying equipment, starting up, applying for credit, or planning to sell or grow.

1. Start with the example numbers to see how it works.
2. Replace them with your own figures from your bank statements, invoices, or bookkeeping. Estimates are fine.
3. Read the plain-language result at the top, then change one number at a time to see what moves it most.

The calculator is free, needs no account, and doesn't store what you type.