Financial Ratio Analyzer

---
name: financial-ratio-analyzer
description: "itemsperson financial casebeforenature diagnosis financial ratio analysis tool. 'financial-analyst' and 'finance-reviewer' agent financial status diagnosisand figure verifyto do when this skill's financial ratio official, casebeforenature standard, diagnosis framework must be utilized. 'financial casebeforenature diagnosis', 'financial ratio analysis', 'total financial inspection' etc. However, investment strategy tax savings approach is outside this skill's scope."
---

# Financial Ratio Analyzer — itemsperson financial ratio analysisbasis

itemsperson/ financial casebeforenature core ratio diagnosisand, improvement direction present.

## core financial ratio 8

### 1. savingsrate (Savings Rate)

```
savingsrate = (month savings + investment) / taxafter month × 100

: 20%+ quality: 10-20% risk: 10% less than

taxdepartment standard:
 20versus: 15%+ (asset naturebasis)
 30versus: 20%+ (within preparation)
 40versus: 25%+ (training·retirement preparation)
 50versus: 30%+ (retirement during)
```

### 2. nature (Consumption Ratio)

```
nature = month expense / taxafter month × 100

: 60% or less quality: 60-80% risk: 80% exceeding

50/30/20 rule:
 required expense(week··): 50% or less
 optional expense(·): 30% or less
 savings·investment·debtexchange: 20% or more
```

### 3. specialist ratio (Emergency Fund)

```
specialist ratio = asset / month required expense

: 6months+ quality: 3-6months risk: 3months less than

asset: reportexample + CMA + MMF (i.e.when current possible)
required expense: week + + + insurance + communication + versusexchange
```

### 4. debtratio (Debt-to-Asset)

```
debtratio = total debt / total asset × 100

: 40% or less quality: 40-60% risk: 60% exceeding

included debt: weekreportversus, creditversus, specialist, , to dodepartment
included asset: department, asset, , report etc.
```

### 5. totaldebtexchangeratio (DTI)

```
DTI = annualbetween debt KRW exchange / annual × 100

: 30% or less quality: 30-40% risk: 40% exceeding

 versus company standard:
 weekreportversus DTI Korean: 40-60% (degreeby)
 DSR(all versus): 40% within
```

### 6. week departmentrate (Housing Cost Ratio)

```
week departmentrate = (monthtax or versusinterest+management) / taxafter month × 100

: 25% or less quality: 25-30% risk: 30% exceeding

included item: monthtax/versusinterest, management, week insurance
un-included: KRW exchangeminute (asset nature)
```

### 7. insurance qualitynature ratio

```
insurance ratio = month insurance total / taxafter month × 100

: 7-10% : 15% exceeding insufficient: 5% less than

recommended report scope:
 companyinsurance: annual × 5-10
 /actual: required
 3versus : diagnosis 3,0000,000 KRW+
```

### 8. investmentasset ratio

```
investmentasset ratio = (week++ETF+) / total asset × 100

recommended ratio = 100 - (%)
 25tax: 75% investment / 25% planbefore
 35tax: 65% / 35%
 45tax: 55% / 45%
 55tax: 45% / 55%
```

## comprehensive financial casebeforenature score

```
comprehensive score = Σ(ratioby score × duringvalue) / Σ(duringvalue)

ratioby score:
 : 100point
 quality: 60point
 risk: 20point

duringvalue:
 savingsrate: 3.0
 specialist: 2.5
 debtratio: 2.5
 DTI: 2.0
 nature: 1.5
 week: 1.5
 insurance: 1.0
 investment: 1.0

etc.grade:
 A(85+): casebefore — quality asset nature possible
 B(70-84): casebefore — balanced status
 C(55-69): report — daydepartment improvement needed
 D(40-54): approx. — systematic improvement needed
 F(40 less than): risk — grade financial structure
```

## financial diagnosis report capability 

```markdown
## itemsperson financial casebeforenature diagnosis

**diagnosisday**: [dayspecialist] | **comprehensive etc.grade**: [A/B/C/D/F] | **score**: [XX/100]

### core ratio dashboard
| ratio | current | standard | | improvement direction |
|------|--------|------|------|----------|
| savingsrate | X% | 20%+ | 🟢/🟡/🔴 | - |
| specialist | Xmonths | 6months+ | 🟢/🟡/🔴 | - |
| debtratio | X% | 40% or less | 🟢/🟡/🔴 | - |
| DTI | X% | 30% or less | 🟢/🟡/🔴 | - |

### i.e.when improvement needed (🔴)
1. [item]: current X% → goal X% (improvement method)

### improvement (🟡)
1. [item]: current X% → goal X%

### item (🟢)
1. [item]: standard 
```

## reference

- Korean totaldegreeresearch, KRW standard reflected
- detailed diagnosis model: `references/financial-diagnosis.md` reference