What is a financial health score?

A financial health score is a single number from 0 to 100 that summarises how healthy your overall finances are, rather than just whether you stayed on budget. The CraftMyMoney score measures 5 pillars: Protection, Spending Discipline, Savings and Investments, Debt Management, and Planning and Goals.

What is a good financial health score?

A score of 80 or above is considered financially healthy. Between 60 and 79 you are on track with clear gaps to close, between 40 and 59 you are building up, and below 40 your finances need attention. Most people start lower than they expect, and the score is designed to be improved over time.

How do I check my financial health?

Answer about 14 questions covering your emergency fund, insurance, investments, loan repayments, and financial goals. CraftMyMoney turns those answers into an estimated score in about 3 minutes, free, with each of the 5 pillars broken down so you can see exactly where you are weakest.

Is the CraftMyMoney financial health score free?

Yes. Your Financial Health Score and the full breakdown across all 5 pillars are free forever. The paid plan adds bank statement upload, AI categorisation, score history, and personalised action items.

Why is my Spending Discipline pillar locked?

Spending Discipline measures how closely your actual spending follows your plan, which cannot be estimated from a questionnaire. It stays locked until you import statements or track transactions, at which point it unlocks and is scored from your real data.

Free · 5 pillars · 3 minutes

Do you know your
FinHealth Score?

A single 0 to 100 score for how healthy your finances really are, not just whether you stayed on budget this month. Most people land a good bit lower than they'd guess.

?/ 100

No paywall. Your score and all 5 pillars are free, forever.

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.

0–39

Needs Attention

40–59

Building Up

60–79

On Track

80–100

Financially Healthy

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

Your first score arrives in about 3 minutes, before the app has seen a single transaction. It starts as an estimate from your answers, then becomes measured as real data replaces the guesses.

First, you answer

About 14 questions. Not sure of an exact amount? Skip it, and the weighting adjusts around what you did answer.

Emergency fund coverage
Insurance coverage details
Investment types and total value
Monthly loan repayments and credit card habits
Financial goals and planning habits

Private. Never shared, never sold.

Then, the app measures

Spending Discipline stays locked at first, and we say so plainly. We will not score how you spend until we can actually see it.

Budget adherence across your categories
Monthly cash flow, what comes in against what goes out
Savings rate from your real numbers
Income and expenses from your active budget

The label flips from Estimated to the month it is based on. Your score then refreshes on the 1st of every month.

Built on Established Research

Our scoring framework draws from peer-reviewed financial wellness models and evidence-based benchmarks used by financial institutions worldwide.

CFPB Financial Well-Being ScaleFinHealth Score FrameworkSEBI Financial Health CheckMonika Halan's Let's Talk Money

See your number in 3 minutes

Download CraftMyMoney and answer a few questions to get your Financial Health Score, free. It starts as an estimate, then sharpens with every transaction you track.