Personal Finance Assessment · Powered by M Code

Know Your Financial Score

I(n+1) = In + (C × M(A)) − R · Complete Financial Health Assessment
Cash Flow · Net Worth · Goals · Investment Ladder · Actions
Your Identity
Full Name Your name appears on the report
Assessment Month Month and year of this assessment
Your Income Type

Select the option that best describes your situation — this personalises your advice.

💼
SALARY ONLY
Employee — one income stream
💼 + 📈
SALARY + SIDE
Job plus freelance / trading
🏢
BUSINESS OWNER
Self-employed or founder
🔧
FREELANCER
Variable project income
🎓
FRESHER / STUDENT
Early career or no income
📊
ACTIVE INVESTOR
Salary + investing / trading
Investment Experience

Determines your investment advice ladder — be honest.

LEVEL 0
No investments yet
LEVEL 1
Savings account only
LEVEL 2
CPF + basic funds
LEVEL 3
Active portfolio
LEVEL 4
Options / trading
Personal Profile
AgeYour current age
YRS
Marital StatusAffects financial obligations
ChildrenDependents under 18
NO.
Spouse IncomeMonthly take-home (0 if single)
SGD
Family ObligationsMonthly support for parents / relatives
SGD
Monthly Income
Salary / Primary IncomeTake-home after deductions
SGD
Side IncomeFreelance, trading profits, business
SGD
Monthly Expenditure
Fixed CostsRent, insurance, subscriptions
SGD
Variable CostsFood, transport, lifestyle
SGD
Build / LearningBusiness costs, courses, tools
SGD
Liabilities — Full Debt Assessment
Assets — What You Own
Savings & Protection
Monthly SavingsAmount saved this month
SGD
Emergency FundMonths of expenses covered
MOS
Life InsuranceTotal sum assured (0 if none)
SGD
Retirement Context
CPF Balance (Total)OA + SA + MA combined
SGD
Target Retirement IncomeMonthly income needed when retired
SGD
Your Financial Goals

Optional — helps generate your personalised roadmap.

1-Year Goale.g. Clear debt, build emergency fund
Target Net Worth (1 Year)Your 1-year net worth target
SGD
5-Year Goale.g. Own property, financial freedom
Target Net Worth (5 Years)Your 5-year net worth target
SGD
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M Score = C × (A1+A2) − R
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—
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C — Clarity
—
A1 — Habits
—
A2 — Environment
—
R — Resistance
Cash Flow Summary
Total Income
—
Total Expenditure
—
Net Monthly
—
Savings rate: —
Net Worth Statement
Total Assets
—
Total Liabilities
—
Net Worth
—
Priority Actions
▲ Financial Goal Roadmap
Investment Ladder — Your Next Steps
▲ I(n+1) — Projected Next Month
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Sentinel X Labs · sentinelxlabs.ai · PFA — Personal Finance Assessment · Powered by M Code · Singapore 2026