Advanced Financial Health

It combines several standard indicators - such as your savings rate, emergency-fund coverage, debt levels, and how much of your income goes to debt payments - into a single view of how resilient your finances are. Rather than one number in isolation, it is meant to show your strengths and the areas most worth improving. Think of it as a check-up that points you toward the highest-impact next action.

The score compares your figures against widely used lending and wealth-building rules of thumb, such as keeping housing and total debt payments below common affordability thresholds and holding several months of expenses in reserve. These benchmarks are general guidelines, not universal laws, so a reading slightly outside them is not a crisis. They are most useful as a direction of travel to aim for over time.

For most people the highest-priority items are eliminating high-interest debt and establishing a starter emergency fund, because together they stop small shocks from becoming large setbacks. After that, raising your savings rate and keeping housing costs in check tend to move the score most. The tool is designed to surface which lever will help you most given your current numbers.

No. It is an educational self-assessment against common benchmarks, using the numbers you provide. It cannot see your full situation and is not a substitute for personalised guidance. Use it to prioritise and to track progress over time, and consult a licensed adviser for decisions specific to your circumstances.