Free · No signup · No bank link
Is your money actually okay?
Enter what you earn and spend. Get a financial health score out of 100, and one clear thing to do this month.
Takes about 2 minutes. Nothing is saved unless you create an account. How we handle your data
Here is what you get
An example with made-up numbers.
64
Fair
out of 100
15% of your pay you keep18 / 25
12% of your pay goes to debt18 / 25
2.1 months you could last10 / 25
31% of your pay goes to rent18 / 25
Your next step: your biggest gap is your cushion: you have 2.1 months of spending saved. The usual goal is 3 months, about $10,200. At your current surplus of $120 a month, that takes about 26 months.
Four things that matter
Each one counts for up to 25 points. Without at least one month of savings, your score can't go above 50.
How much of your pay you keep
What is left each month after your spending.
Healthy: keeping 20% or more of take-home pay
How much of your pay goes to debt
Loan, card and other debt payments as a share of take-home pay.
Healthy: under 10% of take-home pay
How long you could last without a paycheck
Your savings divided by what you spend in a month.
Strong: 6 months or more of spending saved
How much of your pay goes to rent
Rent or mortgage as a share of take-home pay.
Healthy: under 25% of take-home pay
How it works
1
Enter your pay and spending
Five quick numbers are enough, and rough guesses are fine. Add more detail later if you want sharper tips.
2
Get your score and your story
A score out of 100, plus a plain-English note on what is working, what is not, and one thing to do this month.
3
Come back next month
Sign in to keep your numbers and see how your score moves.
Ready to see where you stand?
About 2 minutes. Free, and no account needed.
Check my score