🏥
Answer 15 questions to get your grade...
Honest answers = accurate score
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Grade
💰
Savings
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Emergency + savings rate
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Spending
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Budget + habits
📉
Debt
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Debt load + management
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Investing
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Growth + retirement
🎯 The Verdict
Answer all 15 questions below to get your financial health grade.
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Category Breakdown
Your score in each of the 5 financial health areas
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Personalized Action Plan
Fix your weakest areas first — biggest impact actions
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Healthy Benchmarks
How your scores compare to financial health standards
Category Scores
Score Distribution
You vs Healthy Benchmark
Improvement Potential
Financial Health Report
Vault & Vessel Studio ·
📖
How To Use
Grade your financial health in 5 minutes
🚀 Getting Started
1
Answer 15 Questions
3 questions per category across savings, spending, debt, investing, and protection. Be honest — the score only helps if it's accurate.
2
Get Your Grade
Overall letter grade A through F, plus individual category scores. See where you're strong and where you're vulnerable.
3
Follow the Action Plan
Personalized recommendations targeting your weakest category first. Specific, actionable steps — not generic advice.
4
Retake Quarterly
Take the assessment every 3 months. Track improvement. Celebrate when categories level up from C to B to A.
📊 Terms Made Simple
Savings Score: Based on emergency fund months, savings rate, and whether you're building reserves consistently. 3-6 months expenses saved = A range.
Spending Score: Based on whether you budget, track expenses, and live below your means. Spending less than you earn consistently = the foundation of all wealth.
Debt Score: Based on total debt load, high-interest debt, and whether you have a payoff strategy. No high-interest debt + mortgage-only = A range.
Protection Score: Based on insurance coverage, estate planning, and financial safety nets. Health + life + disability insurance + a will = fully protected.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional self-assessment, not professional financial advice. Results are based on general guidelines. Consult a financial advisor for personalized guidance.