Answer 10 honest questions. Get your score and actionable next steps.
The average American scores approximately 52 out of 100 on financial health metrics according to the Consumer Financial Protection Bureau. A score of 70+ indicates strong financial health. The two biggest score killers are no emergency fund (affects 57% of Americans) and high credit card debt carrying a balance. Improving your emergency fund from zero to three months adds approximately 12 points to your Financial Life Score.
Your Financial Life Score measures overall financial health across six categories: emergency preparedness debt management retirement readiness income optimization insurance coverage and financial goal clarity. The scoring methodology is based on Consumer Financial Protection Bureau benchmarks and Federal Reserve financial health surveys. This score is for educational self-assessment purposes only.
How many months of expenses do you have in emergency savings?