Complete Financial Checkup
Answer 4 steps about your income, debt, credit, and savings. Get a personalised Financial Health Score with a prioritised action plan.
Last updated: April 2026
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Why a Financial Checkup Beats Individual Calculators
Most financial tools look at one thing at a time. A debt payoff calculator tells you when you'll be debt-free — but not whether your savings rate is high enough to avoid going back into debt. A credit utilization calculator tells you your score impact — but not whether you have an emergency fund to avoid charging the next unexpected expense.
Financial health is interconnected. Paying down debt aggressively makes sense — unless you're doing it with zero emergency fund, which means one car repair sends you straight back to the credit card. Saving 20% of income is excellent — unless you're ignoring 30% credit card utilization that's costing you points and suppressing your borrowing options.
This checkup evaluates all four pillars together and ranks your actions by impact across the whole picture — not just within one pillar.
Frequently Asked Questions
- What is a financial health score?
- A financial health score is a single number out of 100 that measures how well your core financial pillars are functioning: your debt load, credit utilization, savings rate, and emergency fund coverage. Unlike your credit score (which only measures creditworthiness), a financial health score captures your overall financial resilience — including factors that credit bureaus never see, like whether you have savings or an emergency buffer.
- How long does the financial checkup take?
- Most people complete it in under 5 minutes. The checkup has 4 input steps (income, debt, credit, emergency fund) and then reveals your full score and action plan. You can skip any section you don't have numbers for and still get a useful partial score.
- Is my financial data saved or shared?
- No. All calculations happen directly in your browser. Nothing you enter is sent to a server, stored in a database, or shared with any third party. The only storage used is your own browser's localStorage and URL parameters — both of which only you can access.
- What does my financial health score mean?
- Scores of 80–100 are Excellent: all four pillars are strong. 60–79 is Good: solid fundamentals with one or two areas to sharpen. 40–59 is Fair: progress being made but one pillar is dragging the overall score. 20–39 Needs Work: focus on your weakest pillar before trying to optimise everything. Below 20 is Getting Started: every positive step counts, start with whichever pillar you can move fastest.