How does your monthly income compare to your expenses?

I spend more than I earn most months

I break even — barely anything left over

I save 5-10% of my income

I save 10-20% of my income

I save 20%+ of my income consistently

How many months of expenses do you have in an emergency fund?

None — I have no emergency savings

Less than 1 month

1-3 months

3-6 months

6+ months of expenses saved

What is your debt-to-income ratio? (Total monthly debt payments / gross monthly income)

Under 15% — minimal debt

15-25% — manageable

25-35% — getting stretched

35-50% — heavy burden

Over 50% — overwhelming

What percentage of your income do you put toward retirement savings?

0% — I'm not saving for retirement

1-5% of income

6-10% of income

11-15% of income

15%+ of income (including employer match)

What is your credit card utilization rate?

Under 10% — excellent

10-30% — good

30-50% — moderate

50-75% — high

75%+ or maxed out

How comprehensive is your insurance coverage?

I have no insurance at all

Health insurance only

Health + auto/renters

Health + auto + life or disability

Full coverage: health, auto, life, disability, umbrella

How diversified are your investments?

I have no investments

Only savings accounts / CDs

One type (stocks only or real estate only)

Mix of stocks and bonds (or target-date fund)

Diversified: stocks, bonds, real estate, alternatives

Your score is ready.

Enter your email to unlock your Personal Finance Health Score and personalized recommendations.

No spam. Your data stays private. Unsubscribe anytime.

Your Personal Finance Health Score

Generate Your Free Diagnostic Report

Free

Detailed breakdown, peer benchmarks, prioritized action plan, and 30-60-90 day roadmap.

Generate Your Free Report

Instant results. No payment required.

Email your results + financial optimization tips:

No spam. Unsubscribe anytime.