See your financial position in one view
Enter 7 inputs, then get one overall score plus 4 core category scores.
7 quick inputs
Clear benchmarks
2 minutes
Your financial snapshot
Monthly take-home income
After tax monthly income
Monthly savings amount
401k, IRA, and savings transfers
Monthly debt payments
Mortgage, car, student loans, cards
Current savings balance
Cash and liquid savings
Retirement inputs
Your age
Used for age-based benchmark
Annual salary
Current annual income
Retirement savings
Total retirement account balance
Enter at least monthly take-home income plus either monthly savings or current savings balance to see your positioning map.
What you will be compared against
Savings rate
Most Americans save at about half the historical average of 8.4%.
National avg: 4.5% (BEA Jan 2026)
Target: 15–20% of income
Emergency fund
37% of Americans cannot cover a $400 emergency in cash.
National avg: 1.5 months covered
Target: 3–6 months of expenses
Debt-to-income
Above 45% signals financial stress and can limit borrowing ability.
National avg: 42%
Target: Below 36%
Retirement progress
Benchmarks are commonly framed as salary multiples by age.
Age benchmark avg: 0.3x salary
Target: 0.5x annual salary
Improve the weakest category first.
A better savings rate, stronger emergency fund, lower debt burden, or stronger retirement progress can lift your overall position.
How scoring works
Your score is the average of four equally weighted category scores: savings rate, emergency fund, debt-to-income, and retirement progress. “National avg” is calculated from the benchmark values shown on this page, and “Optimal” reflects the target benchmark for each category.
“Action needed” means the score is currently below 50/100, which usually points to a meaningful gap versus the benchmark. Benchmarks in this version are modeled reference points and can be swapped for production benchmark sources later.