Financial Health Score
Updated on 22 Oct 2026 · Checked by Aotob
Your financial health score is 67 out of 100.
Good. Focus next on emergency fund.
Financial health score
67out of 100
Good. Your weakest area is emergency fund: Build 3 to 6 months of spending in easy-access savings.
Show the working
Saving rate: 20% → 25
Emergency fund: 2 months → 8.3
Debt payments: 12% → 16.7
Retirement savings: 67% of target → 16.7
Total = 67
How it’s scored
| Area | Full marks at |
|---|---|
| Saving rate | 20% or more |
| Emergency fund | 6 months of spending |
| Debt payments | 0% of income |
| Retirement savings | about half a year’s pay per 5 years over 25 |
Questions people ask
How is the score worked out?
Four areas worth 25 points each: saving 20% of income, 6 months of spending in savings, debt payments near zero, and retirement savings on track for your age.
What is a good score?
80 or more is strong, 60 to 79 good, 40 to 59 fair. Below 40, start with an emergency fund and the most expensive debt.
Is my data stored?
No. Everything is worked out in your browser.
Updated 22 Oct 2026Source: Published government rules and typical costs, checked October 2026Checked by AotobA rough guide, not financial advice.Report an issue