Take a 2-minute quiz to get your personalized financial health score across 5 key dimensions. All benchmarks are backed by data from the Federal Reserve, CFPB, Fidelity, and Vanguard.
Your age helps us compare your finances to relevant benchmarks from the Federal Reserve Survey of Consumer Finances.
Financial health isn't just about income — it's about how well your money works across multiple dimensions. The CFPB defines financial well-being as having control over day-to-day finances, capacity to absorb a shock, being on track to meet goals, and having financial freedom of choice. This quiz evaluates five dimensions that together paint a comprehensive picture.
Every score in this quiz is calibrated against real data. Savings rate thresholds use the BEA Personal Saving Rate (3.6% U.S. average) and the CFPB's 50/30/20 rule. Emergency fund benchmarks come from the Federal Reserve SHED 2024, where only 55% of adults had 3+ months saved. Net worth comparisons use the 2022 Federal Reserve Survey of Consumer Finances.
Your lowest-scoring dimension is usually the highest-impact area to improve. Research from the CFPB shows that financial well-being correlates strongly with having liquid savings and low debt-to-income ratios — even more than income level itself. Small improvements in weak areas yield outsized gains in overall financial security.
Each of the five dimensions is scored from 0 to 100 based on where your inputs fall relative to established benchmarks. The overall score is the average of all five dimensions. Savings rate uses the CFPB's 50/30/20 framework (20% target). Emergency fund uses CFP Board guidelines (3-6 months). Debt-to-income uses the CFPB Qualified Mortgage threshold (43% cap) and conventional lending guidelines (36%). Retirement savings uses Fidelity's 15% target and Vanguard's average participant rate (10.7%). Net worth uses age-group medians from the Federal Reserve 2022 Survey of Consumer Finances.
A 30-year-old earning $6,000/month who saves $1,200 (20% rate), has 4 months emergency fund, pays $1,500 in debt (25% DTI), contributes 12% to retirement, and has $60,000 net worth (above the $39,000 median for under-35s) would score: Savings 80, Emergency 63, Debt 58, Retirement 62, Net Worth 70 — for an overall score of 67 (Good).
Focus on your lowest-scoring dimension first — improving from Poor to Fair has a bigger impact on financial security than improving from Good to Excellent.
The Federal Reserve SHED found that 37% of adults can't cover a $400 emergency. Building even one month of emergency savings puts you ahead of millions.
Fidelity recommends having 1x your salary saved for retirement by 30, 3x by 40, and 6x by 50. Even small increases in contribution rate compound enormously.
Reducing debt payments by $200/month could improve your DTI by 3-4 percentage points — enough to shift from Fair to Good for many people.