Financial Health Quiz
12 quick questions across budgeting, savings, emergency fund, debt, credit, and retirement. See your score, radar snapshot, and practical next steps — no signup.
Overall Score
0
Critical
Monthly Net
$5,000.00
Savings / mo
$500.00
Debt / mo
$700.00
Utilization
25.0%
EF Coverage
3.0 mo
Answered
0/12
Quick Numbers Helper (optional)
Rate: 10.0%
DTI: 14.0%
Prefills savings rate, DTI, utilization, and EF coverage.
Budgeting
How often do you track spending against a plan?
How predictable are your monthly expenses?
Savings Rate
What’s your typical monthly savings rate (of net income)?
Use the quick numbers helper below to estimate if unsure.
Do you save automatically (pay yourself first)?
Emergency Fund
Emergency fund coverage (months of essential expenses)?
Where is your emergency fund held?
Debt
Debt-to-income (DTI) ratio (all monthly debt / gross monthly income)?
Debt payment behavior?
Credit
Credit card utilization (balances / limits)?
Credit hygiene (on-time, monitoring, disputes)?
Retirement/Investing
Retirement contributions (relative to employer match / target)?
Investing approach (diversification, costs, discipline)?
Personalized Guidance
Budgeting
0- Use a simple rule (50/30/20) or category split and review monthly.
- Automate fixed bills and schedule a 15-minute monthly close-out.
Savings Rate
0- Automate transfers on payday; start with +2% and step up quarterly.
- Separate short-term goals from your emergency fund.
Emergency Fund
0- Target 3–6 months of essentials in high-yield savings.
- If variable income, consider 6–12 months + a small CD ladder.
Debt
0- Use Avalanche for high APRs; Snowball for motivation if needed.
- Refinance where possible; snowball freed payments to next debt.
Credit
0- Keep utilization under 30% (ideally <10%); enable autopay.
- Monitor reports quarterly; dispute inaccuracies promptly.
Retirement/Investing
0- Capture full employer match; bump 1% every 6 months.
- Favor low-cost index funds; write an investment policy (IPS).
CSV includes answers and scores; PDF adds a printable summary and recommendations.
Want tailored plans with real account data and alerts? Try the Onu app.
Most people will use these tools for free and never think about how much it costs to keep them online. That’s okay — we built Postly to help. But if our tools have saved you hours of work, helped you get better reach, or made client work easier, please pause for a moment and consider supporting us. Even a small contribution genuinely helps keep Postly alive, maintained, and improving. We are a tiny team, not a big company. We pay real infrastructure bills every month to keep this running. If you can, please be one of the few people who chooses to help.
If you’re not in a position to support us, that’s okay. Postly will still be here for you. But if you are one of the few who can chip in, your support directly keeps these tools online for everyone else.