GMGREEN MOUNTAIN FINANCIAL SERVICES INC.
PROTECT. GROW. PRESERVE.
PROTECT. GROW. PRESERVE.
FINANCIAL PLANNING TOOLKIT
Financial Health
Ratio Analyzer
Connect your balance sheet and cash flow statement to understand liquidity, leverage, savings and debt payments. Built for Canadian individuals and households.
01 / Import your financial statements
Private · Browser-basedImporter v2.2 · Import either or both files, or enter your numbers manually below. Files stay in your browser.
02 / Statement settings & inputs
Amounts in CADBalance sheet amounts
Liquid savings are an estimate of accessible cash and short-term reserves; not all investments or registered holdings are immediately liquid. Exclude restricted holdings as appropriate.
Cash flow amounts (monthly)
Important: Enter net/after-tax available income, consistent with the Cash Flow Calculator. Savings contributions are separate from expenses and debt payments. Avoid counting transfers or mortgage payments twice. A take-home debt-payment ratio is not the lender's gross-income GDS/TDS qualification ratio.
03 / Financial health overview
Based on current entriesAssets$0
Liabilities$0
Net worth$0
Unallocated cash flow$0per month
04 / Financial ratios
How to interpret: Benchmarks are educational conversation prompts, not universal pass/fail rules. Appropriate reserves, debt servicing, and savings depend on income reliability, age, family circumstances, obligations, and planning goals. Net worth alone is not a measure of financial security.
Financial Health Snapshot · Needs Review
Review the amounts, then mark the assessment completed.
Completion documents that the entries were reviewed by the user; it does not independently validate financial data. Editing a value changes the assessment back to Needs Review.