Financial Health Score
Get a quick financial health check based on savings rate, debt, emergency fund, and net worth.
How financially healthy are you, really? This calculator scores you across four critical dimensions: savings rate, debt-to-income ratio, emergency fund coverage, and net worth. Each dimension is worth 25 points for a total of 0–100. Most people overestimate their financial health — the average American scores around 40/100. Knowing your score is the first step to improving it.
Your financial health score: 80/100 (Grade: A). Excellent — you're in great shape!
Financial health score
80/100
Excellent
How to use this calculator
Annual income — Your gross annual income before taxes. Include all sources: salary, side income, investment income.
Annual savings — Total amount you save/invest per year. Include 401(k) contributions, IRA, brokerage, and emergency fund contributions.
Total debt — All outstanding debt: credit cards, student loans, car loans, personal loans. Include mortgage if you want a more conservative score.
Net worth — Total assets minus total liabilities. Include savings, investments, and property value minus all debts.
Monthly expenses — Your average monthly spending. This determines your emergency fund coverage — how many months you could survive without income.
Real-world examples
Average American: Score ~40/100
$75K income, $5K savings (7% rate), $25K debt (33% DTI), 1.4 months emergency fund, $50K net worth. Score: D — needs work. The biggest improvement: building a 3–6 month emergency fund.
FIRE seeker: Score 85/100
$100K income, $40K savings (40% rate), $5K debt (5% DTI), 12 months emergency fund, $200K net worth. Score: A — excellent. Focus shifts to optimizing investment returns and tax efficiency.
Recent grad: Score 25/100
$50K income, $2K savings (4% rate), $45K student debt (90% DTI), 0.5 months emergency fund, -$20K net worth. Score: D — critical. Priority: build a small emergency fund first, then attack high-interest debt.
Formula & Methodology
Scoring breakdown (25 pts each)
Assumptions & limitations
- This is a simplified score for quick self-assessment, not a comprehensive financial analysis.
- Mortgage debt is excluded by default — include it for a more conservative score.
- The scoring thresholds are based on common financial planning guidelines, not hard rules.
- Your score can change significantly as your financial situation evolves.
Frequently asked questions
How is the score calculated?
Four dimensions, each worth 25 points: savings rate (≥20% = max), debt-to-income (≤20% = max), emergency fund (≥6 months = max), and net worth (positive = max). Total is 0–100.
What's a good financial health score?
80+ = Excellent, 60–79 = Good, 40–59 = Needs work, below 40 = Critical. Most Americans score 30–50. Don't be discouraged — small improvements in any dimension can meaningfully raise your score.
Which dimension should I improve first?
Emergency fund. Having 3–6 months of expenses saved prevents you from going into debt when unexpected costs arise. After that, focus on high-interest debt, then increase your savings rate.
Should I include my mortgage in debt?
It depends on your goal. For a strict assessment, include it — it increases your DTI. For a more optimistic view, exclude it since mortgage debt is 'good debt' backed by an appreciating asset.