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Liquidity
Income
Wealth
Liabilities
Investments
Planning
Your Financial Health Score
0
Score Metrics
Category Scores
0/20
0/20
0/20
0/15
0/15
0/10
Your Score vs Benchmarks
See how you compare against different demographic groups and score levels.
| Category | Below Average | Average | Above Average | Excellent | Your Score |
|---|---|---|---|---|---|
| Overall Score | < 40 | 40-60 | 60-80 | 80+ | 0 |
| Emergency Fund Months | < 1 | 1-3 | 3-6 | 6+ | 0 |
| Savings Rate (%) | < 5% | 5-10% | 10-20% | 20%+ | 0% |
| Net Worth / Income Ratio | < 1x | 1-2x | 2-5x | 5x+ | 0x |
| Debt-to-Asset Ratio | > 75% | 50-75% | 25-50% | < 25% | 0% |
| Credit Score | < 650 | 650-700 | 700-750 | 750+ | 0 |
Score Components Explained
1. Liquidity (20 Points)
Measures your immediate financial flexibility and ability to handle emergencies. Based on emergency fund months saved.
- 6+ months: 20 points (Excellent)
- 3-6 months: 15 points (Good)
- 1-3 months: 10 points (Fair)
- <1 month: 5 points (Poor)
2. Income (20 Points)
Evaluates your earnings stability and savings discipline. Based on annual income and savings rate.
- 75k+ & 20%+ savings: 20 points
- 50-75k & 15-20% savings: 15 points
- 30-50k & 10-15% savings: 10 points
- <30k or <5% savings: 5 points
3. Wealth (20 Points)
Measures total asset accumulation and net worth growth. Based on net worth and asset diversity.
- Net worth > 3x annual income: 20 points
- Net worth = 1-3x annual income: 15 points
- Net worth = 0.5-1x annual income: 10 points
- Net worth < 0.5x or negative: 5 points
4. Liabilities (15 Points)
Assesses debt management and creditworthiness. Based on debt-to-assets ratio and credit score.
- <25% debt & 750+ credit: 15 points
- 25-50% debt & 700-750 credit: 10 points
- 50-75% debt & 650-700 credit: 7 points
- >75% debt or <650 credit: 3 points
5. Investments (15 Points)
Evaluates long-term wealth building through diverse investments. Based on portfolio and retirement savings.
- 100k+ invested & high diversity: 15 points
- 50-100k invested & good diversity: 12 points
- 10-50k invested & basic diversity: 8 points
- <10k or no investments: 3 points
6. Planning (10 Points)
Assesses financial planning quality and goal achievement. Based on plan quality and knowledge.
- Excellent plan & 80%+ goals met: 10 points
- Good plan & 60-80% goals met: 7 points
- Fair plan & 40-60% goals met: 4 points
- Poor plan or <40% goals: 1 point
Excellent: 85-100 | Good: 70-84 | Fair: 55-69 | Poor: 40-54 | Critical: Below 40
Ways to Improve Your Score
Quick Wins (1-3 months)
- Save 500/month to build emergency fund immediately
- Pay down credit card balances to below 30% utilization
- Check credit report for errors and dispute inaccuracies
- Create a basic budget and track expenses
- List all debts and create payoff plan
Medium-Term Improvements (3-12 months)
- Reach 3-month emergency fund target
- Increase savings rate from 5% to 10%+
- Pay off high-interest credit card debt
- Open retirement account if you don't have one
- Invest in low-cost index funds
Long-Term Growth (1-3 years)
- Build emergency fund to 6 months
- Achieve 20%+ savings rate
- Increase net worth by 50%
- Pay off all high-interest debt
- Build diversified investment portfolio
Frequently Asked Questions
How is the score calculated?
Score is calculated from 6 categories: Liquidity (20), Income (20), Wealth (20), Liabilities (15), Investments (15), Planning (10). Total 100 points.
What's a good score?
80+ is excellent, 70-79 is good, 55-69 is fair. Average is around 60. Work to improve weak categories.
How often should I recalculate?
Quarterly (every 3 months) to track progress. Annual comprehensive review. More frequently if making major changes.
Which categories matter most?
All are important. Liquidity/Income/Wealth are biggest (60 points). Focus on weakest areas first.
Can I reach 100?
Extremely difficult but possible. Most people cap at 90-95. Focus on continuous improvement.
What if my score declined?
Review which categories dropped. Take corrective action: increase savings, reduce debt, build emergency fund.
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