Start with the household.
We only need the income details that materially change the estimate. Business-owner questions stay hidden unless they apply.
How do you file?
The calculator uses the 2026 standard deduction and federal brackets loaded by the program.
Household earned income
Use expected current-year wages and net business income before personal taxes.
This one answer helps narrow which retirement-plan structures may deserve review.
Children or dependents?
Only the relevant education-account and child-tax-credit fields will appear.
Federal tax estimate assumptions
What is already building wealth?
Select only what applies. Each answer opens a compact set of fields for balances and annual additions.
Cash and investment accounts
Use current approximate balances. Combined household numbers are fine.
Which retirement account types do you currently have?
Choose the account types only. Combined balances below keep this fast.
These selections are used only to identify possible account gaps. They do not determine eligibility or suitability.
Optional: break the retirement balance out by account type
When any breakout balance is entered, the tool uses the breakout total instead of the combined balance to prevent double counting.
Do you currently have an HSA?
The account fields stay hidden when you only want the eligibility screen.
Quick HSA eligibility screen
Only five yes/no items. This is not an eligibility determination.
Select the plan details above.
Paycheck deductions that affect take-home pay
Keep this simple. Do not enter federal taxes; the program estimates them.
What is consuming the cash flow?
Housing, debt and one monthly spending figure are enough to calculate the household pressure points.
Housing
Mortgage principal is separated from interest so equity building is not confused with cost.
Enter a home value and select a state. The estimate uses the latest available Census housing data.
Enter the balance, interest rate, remaining term and total monthly payment to estimate principal, interest and the payoff path.
Other debts
Select the categories you currently carry.
Core household spending
One monthly figure keeps the process practical.
Unlock your Household Wealth Health Check.
Submit your contact information to view the score and household roadmap. Phone is selected initially for Kintail Advisors’ one-to-one follow-up. After viewing the report, you can optionally email yourself a copy beside the print/save controls.
Your household snapshot
Five-part health score
Each of the five pillars contributes up to 20 points, for a maximum score of 100. All five pillars are always included. Unselected optional account or debt modules are treated as not present for the related calculations. The thresholds are internal Kintail educational heuristics—not industry standards or validated predictors of financial outcomes, suitability or investment performance.
Where the annual income goes
Estimated cash-flow translation from gross income.
Debt: cost versus equity building
Estimated next 12 months using current balances, rates and payments.
Your mortgage is also building an asset
Principal reduction increases household equity. Interest, property tax and other housing costs reduce cash flow. No home-price appreciation is assumed.
Areas that may warrant review
Observations, not recommendations.
How this result was calculated
Open any section to see the actual formula, entered values, assumptions, thresholds and exclusions behind the displayed result. The downloadable Calculation Summary contains the fuller examiner-style ledger.
How your Health Score was calculated
How the headline financial numbers were calculated
Assumptions, limitations and output classification
Your account roadmap
The pathway below connects employment type, current accounts, health-plan answers, children and available cash flow. It identifies topics to review—not automatic recommendations, eligibility determinations or tax advice.
Kintail Advisors can use this roadmap as the follow-up agenda: confirm which account structures are actually available, organize contribution priorities, evaluate the investment role of each account, and help implement an investment strategy where appropriate. Tax eligibility, plan administration and legal questions should be confirmed with the household's tax professional or plan administrator.
Keep building the full financial picture.
Your Household Wealth Health Check is one view. Visit the Kintail Planning Tools hub to explore purchasing power, retirement readiness and other focused planning guides as they become available.