Budget Planner · Financial Health Score
The budget that tells you
if you're actually winning
Build your envelope budget, get a real financial health score from 0 to 100, and hear exactly what to do next — all from one screen, in under 5 minutes.
Free to try, no account needed — sign in anytime to save your progress.
Four things that actually matter
Your score is built from four ratios, each weighted equally.
Savings Rate
How much of your income you actually keep each month.
Healthy: saving 20%+ of take-home
Debt-to-Income
What share of your monthly pay goes straight to debt payments.
Healthy: debt payments below 36% of income
Emergency Fund
How many months you could survive financially without any income.
Healthy: 3–6 months of expenses saved
Housing Ratio
Whether your rent or mortgage is squeezing your other finances.
Healthy: housing below 30% of income
How it works
1
Add your income
Tell Vitals how much you take home each month. That's all you need to start.
2
Import or buildPDF import optional
Upload a bank statement and Vitals categorises your spending automatically. Or build envelope cards yourself — your call.
3
See your score live
Every card you create updates the health score in real time. Add a rent card, watch your housing ratio move.
4
Read your AI narrative
A plain-English breakdown of what's working, what needs attention, and one concrete action for this month.
5
Track the trend
Your score snapshots automatically each session. Come back next month and see exactly how far you've moved.
Ready to see where you stand?
Takes under 5 minutes. Try it free, or sign in to keep your progress saved.