Five metrics, one score.

Financial health combines multiple metrics into a single score. This calculator rates 5 key areas - emergency fund, savings rate, debt-to-income, net worth relative to income, and retirement savings - each scored 0-20 for a composite out of 100.

A 6-month emergency fund, 20% savings rate, 0% non-mortgage debt, 5x net worth to income, and 10x retirement savings scores perfect 100. Most people score 40-70 (Fair to Strong). Anything above 80 is Excellent; below 40 suggests multiple areas need attention.

The advantage of a composite score is seeing relative weakness. Someone with 6-month emergency fund (20/20) and 25% savings rate (20/20) but high debt (5/20) and low net worth (10/20) scores 55 - revealing that debt is the binding issue. Fixing one weak score moves the needle more than incrementally improving already-strong scores.

A worked example

Try the defaults: emergency fund of 3, savings rate of 15%, non-mortgage debt-to-income of 10%, net worth to income multiple of 2. The tool returns 54/100. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.

What moves the number most

The result responds to Emergency Fund (Months), Savings Rate, Non-Mortgage Debt-to-Income, Net Worth to Income Multiple, and Retirement Savings Multiple. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

The formula behind this

5 component scores 0-20 each: emergency fund (6mo=20), savings rate (20%=20), debt (0%=20), net worth multiple (5x=20), retirement multiple (10x=20). Total /100. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.

What to do with a low result

A disappointing result is information, not a judgement. Pick the single input that dragged the figure down most and focus the next quarter on that one factor. Breadth-first improvement rarely works; depth-first on the worst input usually does.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.