Are You Behind Financially? Get Your Score.

Most people have a rough sense that their finances could be better — but no clear answer to the question: am I actually behind for my age? This calculator gives you a concrete score from 0 to 100 based on five inputs: your age, gross income, total savings, total debt, and monthly expenses. The score is built on four weighted dimensions: your savings-to-income ratio, your debt-to-income ratio, your expense coverage (how many months of savings could cover your spending), and how your net worth compares to the statistical benchmark for your age group. What makes this useful is the diagnosis. A score of 60 tells you almost nothing on its own. The calculator breaks down exactly which dimension is pulling your score down — whether that's too much debt, too little saved, expenses that are eating your income, or a net worth that's lagging your age cohort. Each weakness gets a specific action plan, not a generic tip. Use this as a financial checkup — run it annually and watch your score move. A 10-point improvement in a year is a real, measurable sign that your financial position is strengthening. A flat or declining score is an early warning signal before it becomes a crisis.

Financial Health Score = weighted sum of four sub-scores (each 0–100): 1. Savings Rate Score: annual savings ÷ gross income. Target ≥15% = 100 pts; <5% = 10 pts. 2. DTI Score: total debt ÷ gross income. <15% = 100 pts; >50% = 10 pts. 3. Emergency Coverage Score: savings ÷ monthly expenses. ≥6 months = 100 pts; <1 month = 10 pts. 4. Net Worth Benchmark Score: actual net worth vs median for age. At median = 50 pts; 2× median = 100 pts; net negative = 0 pts. Weights: DTI 30% + Savings Rate 25% + Net Worth 25% + Emergency 20%.