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AI Financial Coach
A financial health score sums up your whole money situation in a single number out of 100 — making it easy to see where you stand and track progress over time. Here is what goes into it.
The four pillars of financial health
- Savings rate — how much of your income you keep and save
- Debt burden — how much of your income goes to debt repayments
- Emergency fund — how many months of expenses you have saved
- Retirement readiness — whether your retirement savings match your age
Try it with your own numbers:
Get your free health score →What a good score looks like
| Score | Meaning |
|---|---|
| 80–100 | Excellent — strong across the board |
| 65–79 | Strong — doing well, minor tweaks |
| 50–64 | Fair — solid base, clear gaps |
| Below 50 | Needs focused attention |
How to improve your score
- Raise your savings rate toward 15%+ of income
- Pay down high-interest debt to lower your debt burden
- Build your emergency fund to 3–6 months
- Increase retirement contributions — an RA also cuts your tax
Get your personalised score, breakdown and recommendations free with our AI financial coach — and use the scenario simulator to see how small changes lift your number.