How healthy are your finances?
5 questions about income, fixed expenses, debt, savings and variable spending. A financial health score out of 100 that tells you exactly where to start. No sign-up and no data saved.
You're building the foundations
You're on the right track
Your finances are in good health
There are several areas to strengthen, and that's normal: almost nobody starts out with a safety net and zero debt. What matters is picking one thing and sticking with it for a couple of months before touching the rest.
The essentials are in place and you have room to manoeuvre. The next step up doesn't come from cutting back more, but from being consistent with what you already do well and fixing your weakest point.
Your finances are in order and could handle an unexpected expense. From here the conversation changes: it's no longer about controlling spending, but about what to do with what you save.
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How it's calculated
A guide, not a credit report.
Each answer adds points across five equally weighted areas: the margin between income and expenses, the weight of fixed costs, debt level, emergency fund and control of variable spending. The final score is the total out of 100.
It isn't a financial analysis and doesn't replace advice from a professional. It helps you see at a glance which of the five areas is holding you back, which is almost always the best place to start.
Discover the 5 signs of financial health