See Your Financial Position in One View
Enter 7 inputs. Get one overall score plus 4 category scores — savings rate, emergency fund, debt-to-income, and retirement progress. Benchmarked against national averages.
Your financial snapshot
After-tax monthly income
401k, IRA, and savings transfers
Mortgage, car, student loans, cards
Cash and liquid savings
Retirement inputs
Used for age-based benchmark
Current annual income
Total retirement balance
Enter monthly take-home income plus either monthly savings or current savings balance to continue.
What you will be compared against
National benchmark data from BEA, Federal Reserve, and Fidelity retirement studies
Savings rate
Most Americans save at about half the historical average of 8.4%.
Emergency fund
37% of Americans cannot cover a $400 emergency in cash.
Debt-to-income
Above 45% signals financial stress in most lending models.
Retirement progress
Benchmarks are framed as salary multiples by age (Fidelity).
Improve the weakest category first.
A better savings rate, stronger emergency fund, lower debt burden, or stronger retirement progress can lift your overall position.
Your score is the average of four equally weighted category scores. National averages are modelled from published benchmark data (BEA, Federal Reserve, Fidelity). Benchmarks are reference points — always verify with a qualified financial advisor for your specific situation.