A clearer picture of your money

Score

Enter a few monthly numbers to see how your savings, safety net, debt, and cash flow are working together. Your information stays in this page and is not saved.

Your monthly finances

Enter monthly amounts in US dollars. Fill in all five fields, using 0 where appropriate, for a complete score.

Monthly take-home income$Money you receive after taxes and payroll deductions.Essential monthly expenses$Typical monthly needs such as housing, basic food, utilities, and necessary transportation.Monthly debt payments$Payments you make each month toward loans, credit cards, and other debts.Monthly savings and investments$Your usual monthly contributions to savings and investments; enter 0 if you do not contribute currently.Emergency savings$Accessible cash reserved for unexpected costs, not investments or credit limits.

Score status

—/ 100

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Enter a monthly amount for each field. Use 0 when a category does not apply; blank fields are not scored as zero.

Monthly cash flow

Complete inputs to calculate

Income minus essential expenses and debt payments

Room to strengthen

0–39 points

Building stability

40–59 points

Good momentum

60–79 points

Strong foundation

80–100 points

Score breakdown

Savings rate
Monthly savings and investments as a share of take-home pay
—/25
Enter the required amounts above to calculate this factor.
See scoring ranges
- 20% or more: 25 points
- 15% to under 20%: 20 points
- 10% to under 15%: 15 points
- 5% to under 10%: 10 points
- Above 0% to under 5%: 5 points
- 0%: 0 points
Emergency fund
Emergency savings measured in months of essential expenses
—/25
Enter the required amounts above to calculate this factor.
See scoring ranges
- 6 months or more: 25 points
- 3 to under 6 months: 20 points
- 1 to under 3 months: 12 points
- Above 0 to under 1 month: 6 points
- 0 months: 0 points
Debt payment ratio
Monthly debt payments as a share of take-home pay
—/25
Enter the required amounts above to calculate this factor.
See scoring ranges
- 10% or less: 25 points
- Above 10% to 20%: 20 points
- Above 20% to 35%: 12 points
- Above 35% to 45%: 5 points
- Above 45%: 0 points
Monthly cash flow
Income left after essential expenses and debt payments
—/25
Enter the required amounts above to calculate this factor.
See scoring ranges
- 10% or more left: 25 points
- Above 0% to under 10%: 15 points
- Exactly 0%: 5 points
- Below 0%: 0 points

How to read this estimate

The score gives equal weight to four factors, each worth up to 25 points. Savings rate is monthly savings and investment contributions divided by take-home income. Emergency-fund coverage is accessible emergency cash divided by essential monthly expenses. Debt payment ratio is monthly debt payments divided by take-home income. Cash-flow margin is what remains after essential expenses and debt payments, divided by take-home income; it is calculated before monthly savings contributions.

Overall tiers are shown alongside your score: 80–100 is “Strong foundation,” 60–79 is “Good momentum,” 40–59 is “Building stability,” and 0–39 is “Room to strengthen.” See each factor’s scoring ranges above to understand how its points are assigned.

This is a simple educational snapshot based only on what you enter. It is not a credit score, a prediction, or personalized financial, tax, or investment advice. Financial circumstances and appropriate goals vary. Your entries are calculated in this page and are not saved.