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How the financial health score is calculated

Six signals, one weighted score out of 100, and a plain-English archetype. Here's exactly what goes into it and why nothing you type is ever sent to a server.

Reviewed September 26, 2026

The six signals

Your score blends six signals into one weighted composite. Two of them (savings rate, retirement track) are skipped if you don't share the inputs they need. A skipped signal never counts against you; the remaining signals simply carry more of the weight.

25%Emergency cushionCash in savings and checking divided by your monthly spending, capped at 6 months.
20%Debt healthStarts at 100 and subtracts penalties for credit card, student loan, auto, and mortgage balances. Credit card debt weighs heaviest.
20%Savings rateThe share of your income you're not spending, if you shared income. Skipped if you didn't; it never counts against you.
15%Net worth vs. ageYour net worth compared to other people your age, using U.S. household wealth data.
10%InvestingHow much of your cash-plus-invested total is actually invested rather than sitting in cash.
10%Retirement trackYour retirement balance against an age-and-income-adjusted target, blended with your contribution rate if you shared one. Skipped in the 60-second quick mode.

Your percentile and archetype

Alongside the 0-100 score, you get a percentile against U.S. households your age (net worth-based) and one of twelve plain-English archetypes describing your overall shape, from “The Clean Slate” to “The Quiet Compounder.” The percentile is deliberately shown as a range (“roughly top 20–25% for your age band”) rather than a falsely precise single number, since household wealth data doesn't support that kind of precision.

The Clean SlateThe TightropeThe Comeback KidThe UntanglerThe FrontrunnerThe Over-SaverThe High-Velocity SaverThe Quiet CompounderThe ArchitectThe Cushion-First BuilderThe Late BloomerThe Steady Builder

Privacy: nothing is saved

The score is calculated entirely in your browser. There's no account, no sign-up, and no server-side storage of what you enter. If you choose to share or save your result, your answers are compacted into the link itself (the long string after ?r= in the URL). That link is the only place your numbers live, and only you control who gets it.

Start my checkup: 60 seconds