How am I doing? · First-time guide

Your first financial checkup

Never done this before? Here's what to have ready, what quick mode leaves out, and what happens to your numbers once you hit go.

Reviewed September 26, 2026

What to have ready

None of this needs to be exact, and none of it needs a document. Round numbers from memory are fine for a first pass.

A rough monthly spendDoesn't need to be exact. A ballpark from your bank app or last month's statement is enough.

Cash balancesSavings and checking, combined is fine for quick mode; separated if you want the full breakdown.

What's investedRetirement accounts and brokerage balances, combined is fine for quick mode.

Debt balances (optional)Credit card, student loan, auto, and mortgage. Skip any you don't have, and skip all of it if you'd rather not share.

Income (optional)Only needed for the savings-rate and retirement-pace signals. Skipping it doesn't hurt your score; those two signals just get left out.

Quick mode vs. full mode

Quick mode asks for four totals and takes about 60 seconds, good for a first look. Full mode breaks cash, investments, and debt into their real categories and gives a more precise debt-health signal. You can start in quick mode and switch to full mode later without losing anything; nothing you already entered is discarded.

What happens to your numbers

Nothing you type is sent to a server or saved in an account. There is no account. The score is calculated in your browser. If you choose to share or save a result, your inputs are compacted into the share link itself, and that link is the only place they live. See how the score works for the full breakdown of what's measured.

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