Financial Health Calculator¶

A comprehensive Python financial planning toolkit with CEFR calculations, Monte Carlo simulations, and beautiful Plotly visualizations.

Features¶

CEFR (Certainty-Equivalent Funded Ratio): A fundedness metric that accounts for taxes, liquidity, and concentration risk
Monte Carlo Simulations: Project retirement outcomes with configurable market assumptions
Withdrawal Strategy Lab: Compare strategies including fixed SWR, guardrails, VPW, RMD-style, and Merton optimal
Utility Optimization: Merton optimal spending and allocation based on lifetime utility maximization
Beautiful Visualizations: Interactive Plotly charts with fan charts, waterfalls, and survival curves
REST API: FastAPI backend for programmatic access
Streamlit App: User-friendly web interface

Quick Example¶

from fundedness import Asset, BalanceSheet, Liability, compute_cefr
from fundedness.models.assets import AccountType, LiquidityClass, ConcentrationLevel

# Define your assets
assets = [
    Asset(
        name="401(k)",
        value=500_000,
        account_type=AccountType.TAX_DEFERRED,
        liquidity_class=LiquidityClass.RETIREMENT,
        concentration_level=ConcentrationLevel.DIVERSIFIED,
    ),
]

# Define your spending
liabilities = [
    Liability(name="Living Expenses", annual_amount=50_000, is_essential=True),
]

# Calculate CEFR
result = compute_cefr(
    balance_sheet=BalanceSheet(assets=assets),
    liabilities=liabilities,
    planning_horizon=30,
)

print(f"CEFR: {result.cefr:.2f}")

Getting Started¶

Installation - How to install the package
Quick Start - Get up and running quickly

User Guide¶

CEFR Explained - Understanding the CEFR metric
Monte Carlo Simulations - Running projections
Withdrawal Strategies - Comparing approaches
Utility Optimization - Merton optimal spending and allocation
Visualizations - Creating charts

API Reference¶

Core Functions - Main calculation functions
Models - Data models reference
Withdrawals - Withdrawal policy classes
Visualizations - Plotting functions

License¶

MIT License

Disclaimer¶

This tool is for educational purposes only and does not constitute financial advice. Consult a qualified financial advisor for personalized recommendations.