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.

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0/ 100

Overall Score

0

Critical

Budgeting0Savings Rate0Emergency Fund0Debt0Credit0Retirement/Investing0
BudgetingSavings RateEmergency FundDebtCreditRetirement/Investing

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.

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