Financial Health Score Calculator

Composite score from fund, debt, savings, insurance.

Inputs

Monthly gross income ($)

Monthly expenses ($)

Emergency fund balance ($)

Monthly debt payments ($)

Monthly savings ($)

Adequate insurance? (0=No, 1=Yes)

Tab to move between fields

Results

Financial health score (0–100)

Grade (5=A+ to 0=F)4

Emergency fund score (0–25)17.5

Emergency months covered3.8

Debt score (0–25)23.3

Debt-to-income ratio (%)13.3%

Savings score (0–25)20

Savings rate (%)15%

Insurance score (0–25)25

How to Use This Calculator

Enter Monthly gross income ($), Monthly expenses ($), and Emergency fund balance ($).
Set Monthly debt payments ($), Monthly savings ($), and Adequate insurance? (0=No, 1=Yes).
Review the Financial health score (0–100) result.
Use Grade (5=A+ to 0=F) and Emergency fund score (0–25) to inform your decision.

What each input means

Monthly gross income ($): Your total monthly income before taxes.
Monthly expenses ($): Total monthly spending on all categories.
Emergency fund balance ($): Total liquid savings set aside for emergencies.
Monthly debt payments ($): Total monthly debt payments: mortgage, car, student loans, credit cards, etc.
Monthly savings ($): Amount saved or invested each month (retirement, brokerage, savings account).
Adequate insurance? (0=No, 1=Yes): Do you have health, auto, and home/renter's insurance? 1 = Yes, 0 = No.

What each result means

Financial health score (0–100): Composite score across emergency fund, debt, savings, and insurance pillars.
Grade (5=A+ to 0=F): Letter grade: 5=A+, 4=A, 3=B, 2=C, 1=D, 0=F.
Emergency fund score (0–25): Points for emergency fund adequacy. Full marks at 6+ months of expenses.
Emergency months covered: How many months of expenses your emergency fund covers.
Debt score (0–25): Points for healthy debt-to-income ratio. Full marks at DTI below 10%.
Debt-to-income ratio (%): Monthly debt payments as a percentage of monthly income.
Savings score (0–25): Points for savings rate. Full marks at 20%+ of income saved.
Savings rate (%): Monthly savings as a percentage of gross income.
Insurance score (0–25): Points for having adequate insurance coverage.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Monthly gross income ($) = 6000, Monthly expenses ($) = 4000, Emergency fund balance ($) = 15000, Monthly debt payments ($) = 800 = 6 input(s) provided
Calculate Financial health score
Financial health score = min(100
86 = 86
Calculate Grade
4 = 4
Calculate Emergency fund score
Emergency fund score
17.5 = 17.5

Engine last updated July 28, 2026.

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