Let's build your
financial foundation.

A short household assessment that turns your numbers into a clear starting point, a Castle Health score, and your Top 3 Actions.

No bank connections. No credit check. Your answers stay in this browser for this MVP.

01 · HOUSEHOLD

Tell us about your household.

We'll use this to personalize your financial foundation.

Household name Household members

SingleI'm planning on my own. Married / partneredWe want to plan as a household.

02 · INCOME

What comes into the household?

Use average monthly amounts. We'll normalize bonuses and variable income for planning.

Primary monthly income Second monthly income Other consistent monthly income Average monthly variable income Quarterly bonusesEnter the typical quarterly total. Annual bonuses

We'll show you both base income and normalized income so bonuses don't quietly become lifestyle commitments.

03 · CASH FLOW

Where does the money go?

Start with your average monthly household spending. You can refine categories later.

Housing Utilities & household Food & groceries Transportation Insurance premiums Healthcare Childcare / education Other essentials Discretionary spending

04 · DEBT

Let's see what stands between you and freedom.

Enter your required monthly debt payments and approximate balances.

Credit cards Student loans Auto / personal loans Other non-mortgage debt Required monthly debt payments Extra amount available for debt

Preferred payoff approach

SnowballSmallest balance first. AvalancheHighest interest first.

05 · SAVINGS

How strong is your foundation?

Your emergency fund target is based on essential monthly expenses and household stability.

Current emergency savings Other liquid savings Monthly retirement contributions Current retirement balance

Emergency-fund target

3 monthsGenerally appropriate for two similar earners in different industries. 6 monthsMore conservative for a single earner or primary-breadwinner household.

06 · PROTECTION & RETIREMENT

Protect what you're building.

This is a planning screen—not an insurance recommendation.

Life insurance reviewedWe've reviewed whether income replacement needs are covered. Disability coverage reviewedWe've considered how the household would handle lost income. Liability / umbrella reviewedWe've reviewed major liability exposure. Beneficiaries reviewedRetirement and insurance beneficiaries are current.

Employer retirement match availableEnter % of pay, if known. Current retirement savings rateTotal employee savings rate, excluding employer match.

07 · YOUR CASTLE

Let's build yourfinancial foundation.