Enter your full financial life, compare yourself with your age band, and get a practical rating with strengths, risks, and the next moves that matter most.
If left blank, take-home is estimated from gross income for cash-flow scoring.
Cash Flow Snapshot
Rent or full mortgage payment, including escrow if you use it.
Use one high-level number for essentials like food, insurance, transportation, healthcare, and similar recurring needs.
Dining out, entertainment, travel, shopping, subscriptions, and the spending that moves more easily month to month.
Assets & Savings Engine
Current Assets
Business equity, cash value, collectibles, or anything else you want included.
Monthly Building Blocks
Traditional 401(k), 403(b), etc. Reduces taxable income.
Roth 401(k) or Roth IRA. Does not reduce taxable income.
Debt & Liabilities
High-Interest Debt
Installment Debt
Protection & Planning
Financial Health Rating
Enter your age plus income, assets, debts, and a high-level cash flow snapshot to generate a financial health check.
0
Grade
Stable
Your financial system is still loading.
Fill in enough of your profile and this page will tell you what is strong, what is behind for your age, and what to fix first.
Net Worth
$0
0.0x income
Emergency Fund
0.0 mo
Liquid cash runway
Savings Rate
0%
Monthly investing + cash saving
Fixed Obligations
0%
Housing + minimum debt / gross
Monthly Surplus
$0
After core outflows and planned saving
Profile Completeness
0%
More inputs = sharper feedback
Score Breakdown
Age-Band Benchmarks
Metric
You
Median
Average
Status
Priority Action Plan
What Is Working
How This Health Check Thinks
1
Cash Flow Comes First
A strong income can still hide weak finances if every dollar is already spoken for. The score checks whether your monthly system leaves room for saving, investing, and absorbing surprises.
2
Age Benchmarks Live in JSON
Median income, net worth, retirement savings, debt, and investment benchmarks are all read from the benchmark JSON file so you can refresh the age comparisons every year without rewriting the page.
3
Targets Matter Too
Some goals are about peers, and some are about planning milestones. This page checks both, using emergency fund months and savings multiples alongside age-band median and average values.
4
High-Interest Debt Gets Heavy Weight
Consumer debt, tight fixed obligations, and weak cash buffers drag the score harder than small differences in income because they directly affect resilience and decision-making power.
5
Protection Is Part of Wealth
Insurance, beneficiary updates, employer match capture, and basic estate planning do not always show up in net worth today, but they matter enormously for overall financial health.
6
Useful Feedback Beats Pretty Numbers
The goal is not just a grade. The page also surfaces the strengths worth protecting, the biggest leaks, and the next few actions that would improve the score fastest.