Financial Health Check
A free, instant checkup — enter your numbers for a scored breakdown of cash flow, net worth, debt, and emergency fund, with a link to fix what's weakest.
Income & Spending
Housing, food, utilities, insurance, healthcare
Credit cards, loans — not your mortgage or rent
Dining out, entertainment, shopping, subscriptions
Assets & Debt
Cash, investments, retirement accounts, home value
Mortgage, loans, credit card balances
Liquid savings set aside specifically for emergencies
Overall Financial Health
D
61.25 / 100
Cash Flow
Fair10% savings rate
Saving 10% of income, with needs at 46.67% and wants at 15% (the 50/30/20 targets are 50% and 30%).
Improve thisNet Worth
Poor66.67% debt-to-asset
Liabilities are 66.67% of assets, leaving a positive net worth.
Improve thisDebt Load
Excellent5% of income
5% of gross income goes to non-housing debt payments each month.
Improve thisEmergency Fund
Poor2.4 months covered
Current savings would cover 2.4 months of essential expenses (target is 6).
Improve thisNet worth right now: £40,000
Disclaimer
This check is a quick, illustrative snapshot based on the numbers you enter — it isn't personalized financial advice. The scoring bands reflect commonly cited personal-finance guidelines, not a professional assessment of your situation.
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Frequently Asked Questions
Four areas — cash flow, net worth, debt load, and emergency fund — are each scored against commonly cited personal-finance guidelines (like the 50/30/20 rule and a 3-6 month emergency fund target), then blended into one overall score and letter grade.
No. This is an educational, illustrative snapshot based on the numbers you enter — not a professional assessment of your finances. It's built from the same calculation logic as the site's individual calculators, not a substitute for advice from a qualified professional.
Nowhere. Every number you enter is used only in your browser to compute your score — nothing is sent to a server or stored.
Each category links directly to the calculator built for that exact problem — the Debt Payoff Planner for a weak debt score, the Emergency Fund Calculator for a low emergency fund, and so on — so you can go straight from "what's wrong" to "how do I fix it."
Related Calculators
Budget Calculator
Analyze your spending with the 50/30/20 budgeting rule
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Track your assets and liabilities to calculate net worth
Try itDebt Payoff Planner
Compare avalanche vs snowball methods to pay off debt faster
Try itEmergency Fund Calculator
Find your target emergency fund and how long it will take to build it
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