Financial Health Score

Answer 8 questions and get a full checkup of your money: a 0–100 score, how you compare to your age group, and a personalized action plan.

Your Numbers

Your Score

57
out of 100
Grade: C

Score Breakdown

Emergency Fund32

1.9 months of expenses covered (goal: 6)

Savings Rate82

You save 16% of income (goal: 20%)

Debt Payments64

7% of income goes to debt (keep under 20%)

Housing Cost79

Housing is 33% of income (goal: ≤28%)

Retirement Track34

$45,000 saved vs $132,000 benchmark for age 35

Total Debt Load64

Debt equals 18% of annual income

How You Compare

The typical 35-44 household has more saved, but medians are beatable with a plan.

Your total savings$53,000
Median for ages 35-44$91,000

Benchmark: U.S. Federal Reserve Survey of Consumer Finances (rounded medians, educational comparison only).

Your Action Plan

Build your safety net first

You have 1.9 months of expenses saved. You need $4,600 more to reach a 3-month cushion. Without it, one surprise bill can push you into high-interest debt.

Plan your emergency fund

Close your retirement gap

The benchmark for age 35 is $132,000; you have $45,000. Time is your biggest asset: every year you wait roughly doubles the monthly amount needed.

Run your retirement plan

AI Money Coach

Get AI-powered suggestions personalized to your exact numbers. Nothing is stored.

This tool provides educational information only, not professional financial advice. Consult a licensed advisor for decisions about your specific situation.

Related guides

The 50/30/20 budget ruleHow to save moneyHow much do I need to retire?

Methodology

How this calculator works

Built by · Updated

Formula

  • Score = 20% emergency fund + 20% savings rate + 20% retirement savings + 15% debt-to-income + 15% housing cost + 10% total debt load
  • Each pillar scores 0–100 against a target: 6 months of expenses saved · 20% savings rate · non-mortgage debt payments near 0% of income (0 points at 20%) · housing ≤ 28% of income (0 points at 50%) · retirement savings at an age-based multiple of income (1× at 30 up to 10× at 67) · debt balances below 50% of annual income

Assumptions & limits

  • Ratios are the same in every country; only currency, default numbers and peer medians change.
  • U.S. peer benchmarks are rounded medians from the Federal Reserve’s Survey of Consumer Finances; other countries use illustrative estimates.
  • The score is computed in your browser. The optional AI Money Coach sends the numbers you entered to our server and an AI provider to write the advice; if it’s unavailable, a local rules engine is used instead.

Sources

Educational estimates, not financial advice. Check important decisions with your lender or a licensed advisor.

All calculator methodologies →