Financial Health Score
Five short steps, two minutes, no signup. Get a 0 to 100 score across savings, protection, debt, investing and retirement, plus a plan that starts where it helps most.
1Income and savings
Take-home pay after taxes, in your currency. Your numbers never leave your browser.
Everything you set aside: savings accounts, brokerage, retirement contributions.
That is a savings rate of 10%.
Your financial health score
Answer the five steps to unlock your score. Each pillar lights up as you go.
Savings—
Protection—
Debt—
Investing—
Retirement—
Embed this quiz Updated: July 2026 · OECD savings data 2024
How to
From five answers to a plan
1
Answer five short steps
Income and savings, emergency cushion, debt, investing, retirement. Two minutes of taps, no account, nothing leaves your browser.
2
Each pillar is scored against guidelines
Your answers are checked against published benchmarks: the 50/30/20 rule, 3 to 6 months of expenses, the 28/36 debt rule and age-based savings multiples.
3
Read your 0 to 100 score
A weighted total plus five pillar bars show where you stand at a glance and which pillar drags the score down.
4
Follow the action plan
Three to five prioritized moves, each linking a calculator prefilled with your numbers. Fix the weakest pillar first, then re-score.
Concepts
The ideas behind the score
Savings rate
The share of net income you set aside each month. The 50/30/20 rule targets 20% of take-home pay for savings and debt repayment.
Emergency fund
Cash reserved for surprises: job loss, repairs, medical bills. The common guideline is 3 to 6 months of essential expenses in an accessible account.
50/30/20 rule
A budget framework from the book All Your Worth (2005): 50% of take-home pay for needs, 30% for wants, 20% for saving and debt repayment.
Debt-to-income ratio
Monthly debt payments divided by monthly income. The classic 28/36 rule caps total debt service at 36% of income; US mortgage rules treat 43% as a hard ceiling.
High-interest debt
Debt above roughly 10% interest, typically credit cards and payday loans. It usually grows faster than investments return, so paying it off is a guaranteed win.
Asset class
A broad bucket of investments that behaves similarly: stocks, bonds, real estate, cash, commodities. Spreading across classes smooths the ride.
Age-based savings multiple
A retirement rule of thumb popularized by Fidelity: about 1x your income saved by 30, 3x by 40, 6x by 50, 8x by 60 and 10x by 67.
Financial health score
A single 0 to 100 number summarizing five pillars: savings, protection, debt, investing and retirement. A diagnostic that points at the next move, not a verdict.
Tips
How to raise the score for real
Automate the transfer
Move savings out the day you are paid. A savings rate you never have to decide on is the one that survives busy months.
One pillar at a time
Scores rise fastest when you fix the weakest pillar first. Chasing the last points on a strong pillar rarely moves the total.
Cushion before compounding
Get at least three months of expenses in cash before you optimize investments. A forced sale in a downturn undoes years of returns.
Kill the expensive debt first
Interest above 10% beats most market returns. Clearing a credit card is the closest thing to a guaranteed double-digit return in finance.
Diversify in broad strokes
You do not need 40 holdings. Two or three broad index funds across asset classes already capture most of the diversification benefit.
Re-score quarterly
Habits change slowly and scores lag habits. Re-take the quiz every three months; the trend matters more than any single number.
FAQ
What is a good financial health score?+
On this scale, 65 or above means your foundations are solid, and 80 or above is excellent. Most people who have started saving but still carry some debt land between 45 and 65. Treat the score as a diagnostic that shows which pillar needs attention first, not a grade.
How is the financial health score calculated?+
Five weighted pillars: savings rate 25%, emergency fund 20%, debt 20%, investing 15%, retirement 20%. Each pillar is scored 0 to 100 against published guidelines such as the 50/30/20 rule, 3 to 6 months of expenses, the 28/36 debt rule and age-based retirement multiples, then combined into the total.
Is the quiz really free and anonymous?+
Yes. No signup, no email, and your answers never leave your browser: the score is computed locally, and your inputs only appear in your own URL so you can bookmark or share the result.
How much emergency fund should I have?+
The common guideline, used by the U.S. Consumer Financial Protection Bureau among others, is 3 to 6 months of essential expenses. Lean toward 6 or more if your income is variable, you are self-employed, or others depend on your income.
What savings rate should I aim for?+
The 50/30/20 rule targets 20% of take-home pay for saving and debt repayment. For context, the OECD average household saving rate was about 5.9% in 2024, so a steady 10% already puts you well ahead of the typical household.
What counts as a healthy debt-to-income ratio?+
Under the classic 28/36 rule, total debt payments should stay below 36% of income, with non-mortgage debt only a small slice of that. US mortgage rules treat 43% as the ceiling. High-interest debt is a problem at any ratio because of how fast it compounds against you.
How much should I have saved for retirement at my age?+
A widely used milestone set, popularized by Fidelity, is about 1x your annual income by 30, 3x by 40, 6x by 50, 8x by 60 and 10x by 67. Being behind is common; your contribution rate and time in the market are the levers that move the multiple.
Why does the score penalize credit card debt so heavily?+
Because at typical credit card rates of 20% or more, the debt grows faster than diversified investments tend to return, so carrying it cancels out progress everywhere else. Clearing high-interest debt is the highest guaranteed return available to most households, which is why it usually tops the action plan.
Can I compare my score with other people?+
The score itself is guideline-based, not a ranking. The only real-world comparison shown is your savings rate against OECD national household saving rates. We never invent percentiles: where we have no distribution data, we show no comparison.
How often should I re-take the quiz?+
Quarterly is a good rhythm: often enough to catch drift, rare enough that real changes show up. Create a free account to save your score over time, or bookmark your result URL and compare it next quarter.
The score weights five pillars: savings 25%, emergency fund 20%, debt 20%, investing 15%, retirement 20%. Savings rate is scored against the 20% target of the 50/30/20 rule (All Your Worth, 2005). Emergency cover is scored against the 3 to 6 months of essential expenses recommended by the U.S. Consumer Financial Protection Bureau. Debt uses the 28/36 rule and the 43% qualified-mortgage ceiling: non-mortgage payments near zero score highest, and high-interest debt caps the pillar regardless of ratio. Retirement compares your savings multiple to age-based milestones popularized by Fidelity (1x by 30, 3x by 40, 6x by 50, 8x by 60, 10x by 67). The only external comparison is your savings rate versus OECD net household saving rates (2024); no other percentiles are shown because we do not have distribution data for them. This is an educational self-assessment, not financial advice.
Sources: 50/30/20 rule (Warren and Tyagi, All Your Worth, 2005) · CFPB guidance on emergency savings and debt-to-income · Fidelity retirement savings milestones · OECD household savings indicator, 2024