Your Financial
Vitals
Get a complete health check of your finances in 10 minutes. See exactly where you stand.
Income
How much you make. Your income is the fuel — everything else is just how well you burn it.
Expense
How much you spend. Spending is easy — spending wisely is the whole game.
Score
What it all means, scored out of 10. One number that tells you exactly where you stand.
Enter Your Data
All data stays in your browser — never stored.
Income
Expense
Score
What you own — these determine your score.
Your Results Appear Here
Enter your financial data on the left and click Calculate to see your full scorecard.
The Score Scale
Your score comes from your funded ratio — the projected value of your assets at 65 divided by your target (25× income).
Savings Rate Needed to Reach 100% by 65
Each column is your current adjusted net worth as a multiple of your income.
| Age | 0× | 1× | 2× | 4× | 6× | 8× |
|---|---|---|---|---|---|---|
| 25 | 21% | 15% | 9% | 0% | 0% | 0% |
| 30 | 28% | 22% | 15% | 3% | 0% | 0% |
| 35 | 38% | 31% | 25% | 12% | 0% | 0% |
| 40 | 52% | 45% | 38% | 24% | 10% | 0% |
| 45 | 76% | 68% | 60% | 44% | 27% | 11% |
| 50 | 116% | 106% | 97% | 77% | 58% | 39% |
Anything over 100% means saving alone can't close the gap — you'd need to retire later, earn higher returns, or lower the target.