How Healthy Is Your Financial Life?
Answer a few questions about your income, savings, debt and investments to get an estimated Financial Health Score from 0 to 100.
Your Finances
Enter approximate figures. You do not need to provide exact numbers.
Enter your financial information to calculate your score.
Your Biggest Opportunities
- Complete the assessment to receive personalized recommendations.
About the Financial Health Score Calculator
The Financial Health Score Calculator is an educational tool designed to help you get a clearer picture of several important areas of your financial life.
The calculator considers factors including your cash flow, emergency savings, debt payments, savings rate, investment contributions and credit utilization to produce an estimated score between 0 and 100.
A higher score indicates stronger results across the factors included in this assessment, while a lower score can highlight areas that may deserve additional attention.
Your results are based only on the information you enter. The calculator does not access your bank accounts, credit reports, investment accounts or other financial records.
How to Use the Calculator
Enter Your Information
Enter approximate figures for your income, expenses, savings, debt, investments and credit balances.
Calculate Your Score
Select the calculate button to evaluate the information you entered and generate your estimated financial health score.
Review Your Results
Review your score, financial metrics and suggested areas that may provide opportunities for improvement.
How the Financial Health Score Works
The score is calculated using several financial indicators. Each indicator contributes a portion of the overall 100 point score.
- Emergency Fund: Measures how many months of expenses your emergency savings could cover.
- Debt Burden: Considers monthly debt payments relative to monthly income.
- Savings Rate: Estimates the portion of income remaining after monthly expenses.
- Investment Rate: Considers regular contributions toward investments and retirement.
- Credit Utilization: Measures revolving credit balances relative to available credit.
- Cash Flow: Looks at the amount of income remaining after monthly expenses.
Understanding Your Score
The score is intended as an educational indicator rather than a standardized measure of financial health. Use it as a starting point for identifying areas you may want to review.
Things to Consider
Financial health is influenced by many factors that cannot all be represented by a single number. Your financial goals, age, household circumstances, income stability, assets, liabilities and future obligations can all affect your overall financial position.
The results from this calculator should therefore be viewed as an educational starting point rather than a definitive assessment of your financial situation.
This calculator provides an educational estimate based on the information entered by the user. It is not financial, investment, tax, credit or legal advice. Results are illustrative and should not be considered a recommendation to buy, sell or use any financial product.