Free Financial Health Check
What's your financial health score?
15 questions across savings, debt, spending, investments and habits. Get your score out of 100 with personalised insights — takes 3 minutes.
What does your financial health score measure?
Your financial health score is a composite measure across five key areas of personal finance. Unlike a credit score (which only measures your borrowing history), this score reflects your overall financial wellbeing — savings, debt, investments, spending habits, and financial awareness.
- Savings & emergency fund (20 points): Do you have a financial cushion for unexpected expenses?
- Debt management (20 points): Is your debt under control relative to your income?
- Investments & wealth building (20 points): Are you building long-term wealth?
- Spending habits (20 points): Do you track and control your day-to-day spending?
- Financial awareness (20 points): Do you know your own financial numbers?
What's a good financial health score?
Most people score between 35-65 on their first attempt. A score above 75 indicates strong financial habits across all five areas. A score below 40 suggests foundational habits — savings, tracking, and debt management — need attention before investing makes sense.
The score is most useful as a starting point. Retake it in 3-6 months and compare — the direction of change matters more than the absolute number.
Frequently asked questions
Is my data saved or stored anywhere?
No — this quiz runs entirely in your browser. No data is sent to any server, no account is required, and nothing is stored. Your answers disappear when you close the tab.
How is the score calculated?
Each question is worth a set number of points based on the category it belongs to. Your answer determines how many points you earn for that question. The five categories are equally weighted at 20 points each, for a maximum of 100.
How can I improve my score?
Focus on the category with the lowest score first. For most people, this is either emergency fund (building 3-6 months of expenses in savings) or spending habits (tracking expenses consistently). These two areas have the biggest impact on overall financial health.