Financial Health Score
Get a comprehensive assessment of your financial well-being with actionable insights
72 /100
My Financial Health Score
Good progress, but room for improvement.
Emergency Fund
15%Having sufficient emergency savings
Emergency Fund Ratio
1.4 months of expenses
29%
Score
Savings Rate
15%Percentage of income saved
Monthly Savings Rate
594.5% of income
100%
Score
Investment Growth
25%Growth and management of investments
Total Investments
$99,683 of $150,000
Target for 30s: $150,000
66%
Score
Debt Management
20%Comprehensive debt health metrics
Debt Metrics
Debt-to-Income: 164.6%
Debt-to-Assets: 32.0%
Credit Utilization: 0.0%
Total Debt: $164,798
Total Assets: $515,743
57%
Score
Financial Flexibility
10%Readily available cash for opportunities
Liquid Assets
Available Cash: $11,657
100.0% of 3-month target
Target: $10,500 in liquid accounts
100%
Score
Budget Management
15%Effectiveness of budget management
Budgeted Categories
32 categories
100%
Score
Your Financial Health Insights
Based on your YNAB data, here are some key insights and recommendations:
- Your emergency fund needs attention. Aim for 3-6 months of expenses.