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Financial Health Calculator

Find out in 2 minutes whether your money habits are on track, get your Money Psychology Score, and leave with a plan for this week.

  • About 2 minutes
  • Free, no sign-up
  • Your numbers stay in your browser

Your Financial Health Check

Inspired by "I Will Teach You To Be Rich", "The Intelligent Investor" and "The Psychology of Money"

Financial information

Basic Financial Information

$

Your total monthly income before taxes

Your current age (used to calculate years until retirement at 65)

$

Total amount you currently have saved and invested

$

Your average monthly spending (all categories combined)

Investment profile

Credit & Investment Profile

Your current FICO credit score (300-850)

%

Percentage of available credit you're currently using

$

Money set aside for unexpected expenses (job loss, medical bills, etc.)

%

Annual return you expect from your investments (7% is historical stock market average)

Action planYour Personalized Action Plan

Immediate actionsImmediate Actions (This Week)

Action itemSet up automatic transfer of $917 monthly to emergency fund
Action itemSet up automation: prioritize checking ($3,500) and investing ($1,000) transfers

Next 30 daysNext 30 Days

Monthly actionReview and optimize your conscious spending plan
Monthly actionTrack your behavior score progress (current: 70/100)
Monthly actionResearch low-cost index funds for your monthly investment
Monthly actionSet up automatic rebalancing for your investment portfolio

Wealth building potentialYour Wealth Building Potential

If you follow this plan consistently, you'll have $2,714,997 by age 65. That's enough to generate $108,600 annually in retirement using the 4% rule. Your current monthly expenses are $3,500, so this would provide2.6x your current lifestyle in retirement.

Based on principles from:

"I Will Teach You To Be Rich" by Ramit Sethi|"The Intelligent Investor" by Benjamin Graham|"The Psychology of Money" by Morgan Housel

How the calculator works

The calculator combines three ideas from well-known personal finance books into one check-up. Start with the example numbers, then change income, expenses, savings and emergency fund to match your situation. Every result updates as you type.

1. Conscious spending plan

Inspired by Ramit Sethi's I Will Teach You To Be Rich: split your take-home pay into fixed costs, investments, savings and guilt-free spending. The calculator shows what each share means in dollars and shows the total, so you can see when the plan adds up to more than you earn.

2. Margin of safety

Inspired by Benjamin Graham's The Intelligent Investor: how many months your emergency fund would last, how much room you have on your credit, and what steady investing could grow to by 65.

3. Money Psychology Score

Inspired by Morgan Housel's The Psychology of Money: a 0 to 100 score that rewards the habits that matter most over time. 80 and above is excellent, 60 to 79 is good, 40 to 59 has room to improve, and below 40 means the basics need attention first.

Keep learning

Frequently asked questions

Is the Financial Health Calculator free?

Yes. It is free, with no sign-up and no account.

Do you store my numbers?

No. Everything is calculated in your browser. Your income, savings and other numbers are never sent to our servers or saved.

What is the Money Psychology Score?

A score from 0 to 100 built from four habits worth 25 points each: how many months your emergency fund covers, how much of your credit you use, how much of your income you invest, and whether your spending plan stays within your income.

Is this financial advice?

No. The calculator is an educational tool based on widely used personal finance principles. For decisions about your own situation, talk to a licensed financial professional.