Work out financial health checkup score instantly with clear inputs, formula shown and shareable results.
Financial health rests on four pillars: how much you save, how large a buffer you hold, how much of your income is committed to debt, and whether your dependants are protected. Scoring each separately shows which one to fix first.
Health score
Savings 30 points + emergency fund 25 + debt burden 25 + insurance 20, capped at 100
Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.
Because it drives every other outcome — the buffer, the debt payoff and the eventual retirement corpus all come from it.
Only loosely. Use it to track your own progress rather than to benchmark against others.