Financial Health Score Calculator

This calculator produces a composite 0–100 financial health score by grading four pillars, each worth up to 25 points, and adding them together. The emergency-fund pillar divides your fund balance by monthly expenses to get months covered, awarding full marks at 6+ months, partial credit scaling from 15–25 points between 3 and 6 months, and a smaller linear scale below 3 months. The debt-to-income pillar computes total monthly debt payments as a percentage of gross monthly income, giving full marks at 10% or below and scoring down through several bands as DTI climbs — the score falls fastest through the 20%–36% band, loses ground more gradually from 36% up to 50%, and anything past 50% scores zero on this pillar. The savings-rate pillar works the same way as the emergency fund pillar in shape: full marks at a 20%+ savings rate, partial credit down to 10%, and a steeper falloff below that.

The insurance pillar is binary and asymmetric — answering "yes" to having adequate health, auto, and home/renter's coverage earns the full 25 points, while "no" earns only 5 points rather than zero, since some coverage gaps are outside a person's immediate control. The four pillar scores sum to the total, which maps to a letter grade from F (under 35) to A+ (90+). Because DTI and savings rate both use gross income as the denominator, and insurance adequacy is entirely self-declared with no verification of actual coverage limits, this is a rule-of-thumb diagnostic meant to highlight which pillar needs the most attention — not a substitute for a real financial plan or an actuarial assessment of your coverage.