My
Daily
Cost
All Tools
📖 Glossary
100% Private
☰
🏠 Home
🎯 FIRE Calculator
🪙 Resistance Vault
🌌 Spending Galaxy
📅 Life in Weeks
📈 Compound Growth
📚 Glossary
🧰 All Tools
🧩 Embed on your site
🏛️🧩 Tax widgets
❓ FAQ
✨ What's new
🤝 Financial Hardship Help
🧓 Aged Care Cost
🧮 Lifestyle Hub
🇮🇳 India Hub
🇮🇳 NRI Hub
🏛️ Tax Hub
← Back
Financial Health Check
6 questions.
Your financial picture.
No sign up. No data stored. Just your score, your gaps, and the exact tools to close them.
Step 1 of 6
What's your rough savings rate right now?
Of your take-home pay, how much actually ends up invested or saved?
😬
Under 5%
Living paycheque to paycheque
🙂
5–15%
Some savings, room to grow
👍
15–30%
Solid foundation
🚀
30%+
FIRE-focused savings rate
Step 2 of 6
What's your debt situation?
Not counting a mortgage if you have one.
✅
Zero debt
Clear and free
📉
Some debt, under control
Car loan, small personal loan
😤
Credit card or high-interest debt
Costing you real money each month
🔴
Significant debt I'm struggling with
Multiple sources, high stress
Step 3 of 6
How's your emergency fund?
Cash available immediately if something goes wrong.
🛡
6+ months of expenses saved
Fully covered
🌤
3–6 months
Good buffer, could be stronger
⚡
1–3 months
Vulnerable to surprises
🆘
Less than 1 month
One bill away from a problem
Step 4 of 6
Are you investing regularly?
Beyond savings accounts — index funds, ETFs, super contributions, etc.
📈
Yes — automatic monthly contributions
Set and forget
🤷
Sometimes — when I remember
Not systematic yet
💤
No — just saving in cash
Missing out on compounding
🤔
Not sure where to start
Want to but haven't begun
Step 5 of 6
Do you know where your money goes?
Honestly — do you have a clear picture of your monthly spending?
🎯
Yes — I track everything
Budget, categories, the works
🗺
Roughly — I know the big items
Not down to the detail
🌫
Not really — money just disappears
End of month I'm surprised
Step 6 of 6
Do you know your Financial Independence number?
The portfolio size where you could stop working if you chose to.
🗓
Yes — I have a target and a plan
I know my number and FIRE date
🧭
Roughly — I've thought about it
No firm target yet
❓
Not really — just working and hoping
Haven't calculated it
Your financial health score
—
out of 100
Your personalised next steps
↺ Retake the check