📊 Financial Health Scorecard
Enter your income, debt payments, savings, emergency-fund months, and expenses to score your financial health out of 100 — with sub-scores for debt, savings, and emergency coverage and an overall grade.
📊 Your Financial Health, Scored
What is a Financial Health Scorecard?
A financial health scorecard distills a handful of everyday numbers into a single snapshot of where you stand. Instead of staring at separate figures for debt, savings, and your safety net, it weighs all three together — so a low debt load can offset a thin emergency fund, and strong savings can lift the picture.
Use it to spot the weakest pillar and decide where an extra dollar does the most good. The results are general informational estimates, not professional tax, accounting, or financial advice — consult a CPA or financial advisor before making decisions.
❓ Frequently Asked Questions
How is the financial health score calculated?
It blends three pillars on a 0–100 scale and averages them. Debt load is scored from your debt-to-income ratio (monthly debt payments ÷ income), savings from your savings rate (monthly savings ÷ income), and resilience from how many months of expenses your emergency fund covers against a six-month target. The three sub-scores are averaged into an overall score and a grade: Excellent, Good, Fair, or Needs work.
What is a good debt-to-income ratio and savings rate?
Lenders generally favor a debt-to-income ratio under 36%, and lower is better. A savings rate of 20% of income is a common benchmark, while three to six months of expenses is the usual emergency-fund target. The scorecard rewards lower debt, higher savings, and a fuller emergency fund.
Is this a substitute for professional advice?
No. The scorecard gives general informational estimates, not professional tax, accounting, or financial advice. It's a quick self-check, not a full financial plan — consult a CPA or financial advisor before making decisions.