What is a financial health score?

It is a single number from 0 to 100 that reflects how strong your overall finances are across the things that matter most: your emergency cushion, savings rate, debt, how spread out your money is, your investing habit, and your protection. It is a diagnostic and educational tool, not financial advice.

Is the DollarBanao Financial Health Score free?

Yes, completely free. We earn no commission and have no products to sell, so the score and the guidance are unbiased.

How is the score calculated?

We score six pillars of financial health using widely accepted financial-literacy principles, then combine them with weightings into one number out of 100. Nothing you enter leaves your browser unless you choose to email yourself the results.

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What's your Financial Health Score?

Answer 7 quick questions and see how healthy your finances really are, across the six things that matter most, with a personalised plan to improve. Free, private, and honest. This is education, not financial advice.

Rough numbers are fine. Nothing you type leaves your browser unless you choose to email yourself the result.

Monthly take-home income (after tax)

Monthly spending (typical month)

Emergency savings in cash (total)

High-interest debt (cards, personal loans, not mortgage)

How is your money mostly held?

Do you invest regularly?

Protection in place?

Your top priorities

See your money grow

Retake the check

Educational guidance only, not financial advice. Your score reflects how your finances compare to widely accepted financial-literacy principles. It is a general diagnostic, not a personalised recommendation to buy or sell anything. Consider speaking with a licensed advisor for decisions about your situation.

What it measures

The six pillars of financial health

Your score blends six things that, together, decide how strong and resilient your finances are. Each is scored out of 100 and weighted into your total.

Emergency cushion. Months of expenses you hold in cash. Your shock absorber.
Savings rate. The share of income you keep. The engine of building wealth.
Debt load. How much high-interest debt is working against you.
Diversification. How spread out your money is, so no single thing can sink you.
Investing habit. Whether your money is actually growing through regular investing.
Protection. Cover that stops one event from undoing your progress.

Worked examples

What a score looks like in practice

Two illustrative profiles, scored with exactly the same method the tool uses. Illustrations only, not advice or targets.

Example: a steady saver scores 77 out of 100 (Healthy)

Someone who saves 30% of their income, keeps 3 months of expenses as an emergency cushion, carries debt of about one month's income, invests every month across a few different assets, and has one type of protection cover in place scores 77 / 100. Their weakest pillars are the emergency cushion (3 of the 6 months that would score full marks) and protection.

Example: a fragile month-to-month profile scores 32 out of 100 (Needs attention)

Someone saving about 6% of income, holding 1 month of expenses in cash, carrying debt of about 3 months' income, mostly in cash with only occasional investing and no protection cover scores 32 / 100. The same weightings apply; the score is low because the three heaviest pillars (cushion, savings rate, debt) are all weak.

Questions

Good to know

Is this financial advice?

No. The score is an educational diagnostic that compares your finances to widely accepted principles. It does not tell you what to buy or sell.

Is my data safe?

Yes. The score is calculated entirely in your browser. Nothing is sent anywhere unless you choose to email yourself the result.

Why is it free and unbiased?

We earn no commission and have no products to sell. That is the whole point. Our only job is to help you understand and improve your money.

Want the fuller picture? Our guide on how to grow your money walks through the same six pillars in more depth.