Answer 5 questions. Get an instant score across emergency savings, savings rate, debt load, spending control, and financial margin — with specific actions to improve.
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Where are you based?
GBP (£)
Monthly take-home income (after tax)
Monthly essential spending
Rent/mortgage, food, transport, bills — not savings or debt payments
Emergency fund (accessible savings)
Cash you could access within a week if something went wrong
Monthly debt payments
Credit cards, loans, car finance — not your mortgage if already in expenses
Monthly savings & investments
Anything you actively put aside — ISA, pension top-up, stocks, savings account
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How we score you
Emergency Fund
Months of expenses you could survive on. Target: 3–6 months (6–12 for Nigeria).
Savings Rate
What % of your income you save. The benchmark is 20%.
Debt Load
Monthly debt payments as % of income. Keep it under 15%.
Spending Control
Essential costs as % of income. Under 50% is healthy.
Financial Margin
How much slack you have after expenses and debt. The buffer that absorbs shocks.