Financial Health Checkup
Five real numbers about your finances, reduced to one score out of 100 — and exactly which of the four things behind it is actually holding you back. Nothing vague, nothing hidden.
Your score
59/100
Needs Improvement
Disclaimer: This score is an illustrative model based on common financial-planning benchmarks, not personalized financial advice.
How this is computed
25 points each, published so it's auditable rather than a black box. Savings rate: 20%+ scores full marks, scaling down to 0 at or below 0%. Emergency fund: scales linearly to full marks at 6 months of expenses covered. Debt-to-income: full marks under 20% of annual income, scaling down to 0 above 50%. Net worth: full marks at 3x annual income or more, 0 at or below zero net worth. The four scores sum to your total out of 100.
Common questions
Four categories, 25 points each: savings rate, emergency fund coverage, debt-to-income ratio, and net worth relative to your annual income. The exact rubric is published below — nothing about the scoring is hidden.