How It Works
Three short steps, roughly five minutes, and no financial jargon. You can pause at any point and pick up where you left off.
1. Tell us about your household
A few basics so we can tailor the summary and send your results.
2. Answer one question at a time
Estimates are fine. Every answer saves automatically as you go.
3. See your score and next steps
An overall score, eight category results and three practical actions.
How the score is weighted
Each category is scored from 0 to 100, then combined using the weights below.
- Monthly Cash Flow20%
- Emergency Savings20%
- Debt20%
- Income Stability10%
- Credit & Bills10%
- Retirement & Future Savings10%
- Financial Protection5%
- Financial Organization5%
What the ranges mean
- 85–100
- Strong Financial Foundation
- 70–84
- Generally Healthy
- 55–69
- Opportunities to Strengthen
- 40–54
- Several Areas Need Attention
- Below 40
- Financial Rebuilding Stage
Wherever you land is simply a starting point. The score is designed to show progress over time, not to grade you.