Financial Health Score
A single 0–100 score that tells you how healthy your finances really are — not just whether you stayed on budget this month.
Why a Financial Health Score?
Budgeting isn't the full picture
You could have a perfect budget but no insurance, no emergency fund, and expensive debt working against you. A budget app alone can't tell you that.
One number, full clarity
Instead of juggling 5 separate concerns, one score tells you exactly where you stand today and what to focus on next for the biggest impact.
Protection before growth
Inspired by evidence-based financial planning: your safety net must come before investments. Most tools get this order wrong.
What Does Your Score Mean?
Your score is a weighted combination of all 5 pillars, giving you a final number from 0 to 100.
The 5 Pillars
Each pillar measures a different dimension of your financial life. Together, they give the complete picture.
Protection
Do you have a financial safety net? Covers your emergency fund, health insurance, and life coverage — the foundation everything else is built on.
Spending Discipline
Are you spending within your plan? Measures how well you stick to your budget, manage debt repayments, and separate your spending from your investing.
Savings & Investments
Are you building long-term wealth? Looks at your savings rate, how diversified your investments are, and your progress toward financial independence.
Debt Management
Is your debt under control? Evaluates your overall debt burden and flags expensive debt that silently works against your financial goals.
Planning & Goals
Are you planning ahead? Checks whether you have clear financial goals, basic estate planning, and habits that keep your overall finances organized.
How It Works in the App
A short set of questions combined with data already in your account. Takes just a few minutes. The more you use the app, the more accurate your score becomes.
You Answer
- Emergency fund coverage
- Insurance coverage details
- Investment types and total value
- Monthly loan repayments and credit card habits
- Financial goals and planning habits
We Auto-Calculate
- Monthly income and expenses (from your budget)
- Savings rate
- Budget adherence across categories
- Debt-to-income ratio
Built on Established Research
Our scoring framework draws from peer-reviewed financial wellness models and evidence-based benchmarks used by financial institutions worldwide.
Know Your Financial Health
Download CraftMyMoney, start budgeting, and get your Financial Health Score. Your score becomes more accurate with every transaction you track.