Home Free Tools Financial Health Score Calculator — Get Your Business Financial Health Grade
Finance Tool — Financial Health Score

Financial Health Score Calculator — Get Your Business Financial Health Grade

Calculate a composite financial health score from five key ratios. Identify your weakest financial area and prioritise what to fix first.

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Formula & How It Works

Score = Liquidity (25%) + Profitability (25%) + Leverage (20%) + Inventory Efficiency (15%) + Receivables (15%)
Each component scored 0–100 based on benchmarks.

Worked Example

Scenario: CR 1.8, NPM 8%, D/E 0.5, ITO 8x, DSO 30 days.

Liq=80, Prof=60, Lev=80, Eff=80, Rec=80 → Score = 76/100 (B — Good)

When to Use This Calculator

  • Annual business self-assessment
  • Pre-loan application health check
  • Identify which ratio to improve for better bank rating
  • Investor presentation financial section
  • Track financial health improvement quarterly

Frequently Asked Questions

A composite score that aggregates key financial ratios — liquidity, profitability, leverage, and efficiency — into a single number for quick assessment.
A score above 70 generally indicates a financially healthy business. 50–70 is average with room to improve. Below 50 needs urgent attention.
This tool uses: Current Ratio, Net Profit Margin, Debt-to-Equity Ratio, Inventory Turnover, and Receivables Days.
Banks use their own credit scoring models. This tool gives you a directional self-assessment to identify financial weaknesses before approaching a bank.
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