Financial Checkup

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1Your Income

Let's start with what you earn. This is the foundation of your financial picture.

Annual Gross Income ($)

Monthly Take-Home Pay ($)

Income Source

2Housing

Housing is typically your biggest expense. The 28% rule says it shouldn't exceed 28% of gross income.

Monthly Housing Cost ($)

Rent or mortgage + tax + insurance

Housing Type

3Debt

Don't worry — most Americans carry some debt. We need the full picture to help you.

Credit Card Debt ($)

Student Loan Balance ($)

Car Loan Balance ($)

Other Debt ($)

Total Monthly Debt Payments (excl. mortgage) ($)

4Savings & Emergency Fund

An emergency fund is your #1 financial safety net. Experts recommend 3-6 months of expenses.

Emergency Fund / Cash Savings ($)

Monthly Savings Amount ($)

5Retirement

The earlier you start, the more compound interest works in your favor.

Your Age

Target Retirement Age

Total Retirement Savings ($)

401K + IRA + Roth + HSA investments

Monthly Retirement Contribution ($)

Employer 401K Match?

6Insurance & Protection

Insurance protects your financial progress from being wiped out by a single event.

Health Insurance

Life Insurance (if you have dependents)

Disability Insurance

Do you have a will or estate plan?

7Credit Health

Your credit score affects interest rates on everything from mortgages to car loans — saving or costing you thousands.

Approximate Credit Score

Approximate Credit Card Utilization

Balance ÷ credit limit. Lower is better.

8Spending Habits

Budgeting doesn't mean restriction — it means knowing where your money goes.

Do you follow a budget?

Monthly Non-Essential Spending ($)

Dining out, entertainment, subscriptions, shopping

Do you regularly carry a credit card balance?

Do you plan ahead for irregular expenses?

9Your Goals

Last step! What matters most to you right now?

Top Financial Priority

Biggest Financial Worry

Your Financial Health Score

72/100

Good — You're on the right track

Category Breakdown

Your Top Action Items

Track Your Progress Over Time

Create a free account to save your score and retake the checkup quarterly to see your improvement.

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