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
Score Breakdown
1.9 months of expenses covered (goal: 6)
You save 16% of income (goal: 20%)
7% of income goes to debt (keep under 20%)
Housing is 33% of income (goal: ≤28%)
$45,000 saved vs $132,000 benchmark for age 35
Debt equals 18% of annual income
How You Compare
The typical 35-44 household has more saved — but medians are beatable with a plan.
Benchmark: 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 fundClose 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 planAI 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.