Free Financial Health Calculator
Simplified estimate. The full report uses over 20 variables.
How is the score calculated?
The financial health score ranges from 0 to 100 and is based on 4 pillars:
Cash flow (max 30 points)
Measures how much of your income remains after expenses. A 20%+ surplus means maximum score.
Emergency fund (max 30 points)
How many months of expenses are covered by your savings? 6+ months = max. Under 1 month = 0 points.
Debt-to-income ratio (max 20 points)
What percentage of your income goes to monthly debt payments? Under 10% = excellent. Over 35% = risky.
Savings rate (max 20 points)
What percentage of your income do you save each month? 20%+ = excellent. Under 5% = needs attention.
What does your score mean?
Your finances are in great shape. Keep it up!
You're on the right track, but there's room for improvement.
Some areas need adjustments. Read the recommendations below.
Your financial situation needs immediate action. Start with the steps below.
What can you do to improve your score?
- Create a monthly budget — use the 50/30/20 rule to organise your spending.
- Build an emergency fund — start with the goal of 1 month of expenses, then expand to 3-6 months.
- Reduce debt — focus on accelerated repayment of high-interest debt.
- Automate savings — set up an automatic transfer on payday, even $50/month makes a difference.
- Track your progress — check your financial health score monthly to see your progress.
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