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Financial Health Score
How am I doing
financially?
Four numbers. Sixty seconds. A score for your cushion, debt, investing and net-worth trajectory — benchmarked against U.S. households your age, then turned into one thing to fix next.
No account. No credit pull.
Stays in your browserNot a credit score60 secondsNo account needed
How old are you?
Age sets your benchmark. Everything after this is four dollar amounts.
years
Your financial picture
0 of 4 enteredRough estimates are fine — everything stays in your browser.
Want the full picture?
Two more fields unlock savings rate and retirement track.
Fix this first
Your first move shows up here
The moment you have four numbers in, we name the single highest-leverage thing to change, with the dollar figure attached, not generic advice.
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Add your age and a couple of numbers, and your archetype appears here.
Net worth
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Cushion
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Percentile
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Emergency cushion—
Debt health—
Retirement track—
Investing—
Net worth vs age—
Savings rate—
Weighted blend of 6 signals · missing inputs are excluded
Twelve archetypes
A pattern label, not a grade. It describes the shape of your finances right now.
Common questions
Is my data private?
Yes. All calculations happen in your browser. No dollar figures are sent to our servers, and we never log or store your financial inputs. The share link encodes your data in the URL itself so you control it entirely.
How is the score calculated?
Six weighted signals: emergency cushion (25%), debt health (20%), savings rate (20%), net worth vs. age (15%), investment allocation (10%), and retirement track (10%). Missing inputs are excluded and the remaining weights are renormalized, so partial entries still produce a fair score.
What does my archetype mean?
Your archetype is a pattern label, not a grade. It describes the shape of your finances right now. The same archetype at 25 and 45 looks very different. The percentile comparison is age-adjusted using Federal Reserve data, which makes it meaningful regardless of where you are in your career.
How accurate is the percentile comparison?
It uses the Federal Reserve Survey of Consumer Finances (2022), the gold standard for U.S. household wealth data. It compares net worth within your age band, the most meaningful single comparison available in public data.
Does this affect my credit score?
No. We never pull credit data. The tool only uses numbers you type in. No Social Security number, bank login, or credit inquiry of any kind.
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