What the score answers
The core question is simple: how stable is this household if monthly pressure continues or life gets harder for a while?
Methodology
How to trust the score
FSI is built for financial resilience planning. The model focuses on survival runway, debt pressure, and monthly breathing room, then turns those signals into ranked next moves.
The three pillars
Liquidity measures runway, leverage measures debt pressure, and durability measures whether normal months leave enough breathing room.
Why runway matters
One good month does not replace a real buffer. Strong resilience usually needs both savings runway and healthy free cash flow.
How FSI interprets risk
If the score is weak because runway is low, build buffer first. If the score is weak because debt service is crushing post-essential cash, debt pressure comes first. If the score looks acceptable but breathing room is thin, the household is still exposed.
- Liquidity evaluates how many months liquid savings can cover essentials and debt service.
- Leverage evaluates whether repayments are too heavy relative to income and post-essential cash.
- Durability evaluates how sustainable the current monthly pattern is when shocks appear.
- The model is a planning tool, not investment, legal, tax, or underwriting advice.