How Financially
Healthy Are You?
Six questions, one score out of 100 — like a credit score, but for your whole financial picture: buffer, debt, savings rate, awareness, investing, and protection.
Quick answer
A financial health score condenses several factors — emergency savings, debt, savings rate, net worth awareness, long-term investing, and protection — into one number out of 100, the same way a credit score condenses borrowing history. 70+ is generally healthy; most people land between 50 and 69, usually dragged down by one specific pillar rather than being weak across the board.
The Federal Reserve's Survey of Household Economics and Decisionmaking has found only about 63% of US adults could cover a sudden $400 expense with cash — which is why the emergency-buffer pillar carries the most weight of the six below.
Source: Federal Reserve — SHED. Last updated 24 August 2026.
The 6 pillars
Each pillar is weighted by how much it tends to move real financial outcomes.
1. Emergency buffer
worth 20 pts
How many months of essential expenses could you cover from savings today?
2. Debt
worth 15 pts
Which best describes your relationship with debt (excluding a primary mortgage)?
3. Savings rate
worth 20 pts
Roughly what share of your income do you save or invest each month?
4. Net worth awareness
worth 15 pts
Do you know your current net worth — everything you own minus everything you owe?
5. Long-term investing
worth 15 pts
Are you contributing to a retirement or long-term investment account?
6. Protection
worth 15 pts
If you were suddenly unable to work for 3 months (illness or injury), how protected are you?
Answer all 6 to see your score — 0 of 6 done. Nothing is sent anywhere.
Frequently asked questions
How is the financial health score calculated?+
This quiz weights six pillars — emergency buffer, debt, savings rate, net worth awareness, long-term investing, and protection — into a single 0–100 score, similar in spirit to how a credit score condenses several factors into one number. Buffer and savings rate carry the most weight because they have the largest effect on whether a setback turns into a crisis.
What's a good financial health score?+
70+ (grade B or A) means the core pillars are solid. Scores between 50–69 (grade C) are the most common result — usually meaning one or two pillars, often the emergency buffer or savings rate, are dragging the rest down.
Why does the emergency buffer pillar carry the most weight?+
The Federal Reserve's Survey of Household Economics and Decisionmaking (SHED) has found roughly six in ten US adults could cover a sudden $400 expense with cash. A missing buffer is the single most common gap, and it's the one that turns a manageable surprise into new debt.
Is a financial health score the same as a credit score?+
No — a credit score measures borrowing and repayment history from lenders' data. This score is a self-assessed snapshot of six broader financial-wellness pillars, computed entirely from your own quiz answers rather than any credit bureau data.
Does this quiz store or share my answers?+
No. Every answer and the score are computed in your browser and never sent anywhere. There's no sign-up and no email gate.
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Educational only, not financial advice. Richify holds no AFSL, is not a registered investment adviser, and this quiz is a self-assessment rather than a diagnosis.
