💚 Financial Health Score

It is a single number summarising how your finances are doing across several dimensions — typically spending versus income, savings buffer, debt load, and forward planning. Its purpose is not precision but perspective: one comparable figure you can re-measure in six months to see whether you are actually moving.

As a rough guide, below 40 suggests immediate pressure worth addressing — usually a missing emergency fund or a heavy debt load. Between 40 and 70 indicates a working foundation with clear gaps. Above 70 suggests the basics are covered and the useful questions shift toward investing and longer-term planning.

No account is needed. The calculation runs in your browser. We save only the resulting score and its category breakdown so we can report aggregate trends — never the individual figures you enter, and never anything that identifies you.

Every three to six months is enough. Financial health changes slowly, and checking too often turns a useful measurement into anxiety. Re-checking after a significant change — a new job, a loan cleared, a move — is more informative than checking on a fixed schedule.