Financial X-Ray — Your Free Financial Health Score & Plan

The X-Ray scores six dimensions from 0 to 100 and blends them into one number. Emergency fund is your cash measured against a six-month expense target. Debt looks at your debt-to-income ratio (20% is healthy, 43% is the common lending ceiling) and caps the score if you carry high-interest debt. Retirement compares your invested balance to an age-based benchmark multiple of income. Savings rate measures what you save against a 20% goal. Housing checks your housing cost against the 28%-of-income rule. Protection reflects your insurance coverage. The overall score weights the first three most heavily, because they move your financial security the most.

No — it is a free educational diagnostic, not personalized financial advice, and it does not know your full situation (taxes, dependents, goals, local costs). Think of it as a fast, honest triage that tells you where you stand and what to focus on first, the way a good planner would start a first meeting. For decisions with real stakes, use it to walk in informed, then confirm with a fiduciary, fee-only advisor. Nothing you enter is stored or sent anywhere — it is computed in your browser.

Because they are the pillars a financial planner checks, in roughly the order that protects you: a cash buffer so a surprise does not become debt; high-interest debt cleared because it beats almost any investment return; retirement savings on pace because time is the one input you cannot buy back; a healthy savings rate to keep the trajectory; housing costs in check because they are most households' biggest line item; and insurance so one bad event does not undo years of progress. A high score in one area cannot rescue a zero in another — which is exactly why a single blended score plus a named priority is more useful than any one calculator.

Above 85 is excellent — strong across the board. 70–84 is good, with a few tweaks left. 55–69 is fair, with clear gaps to close. Below 55 means it is worth acting on the named priority soon. Most people land somewhere in the 40s to 60s, usually dragged down by one or two weak areas rather than being weak everywhere — which is good news, because it means the highest-impact move is specific and fixable. Re-run it after you act and watch the number climb.

Emergency fund: six months of essential expenses in cash. Debt: a debt-to-income ratio at or below 20% scores full marks, 43% scores zero, and any high-interest (8%+) balance caps the dimension. Retirement: an age-based multiple of income roughly following the common guideline (about 1× salary saved by 30, 3× by 40, 6× by 50, 10× by your late 60s). Savings rate: 20% of take-home. Housing: the 28%-of-income rule, scoring zero by 50%. Protection: health coverage plus life and disability insurance where your situation needs them. These are widely used planning rules of thumb, not guarantees — your ideal targets vary with your goals and stability.

Re-run the X-Ray quarterly, and any time something big changes — a raise, a paid-off card, a new baby, a move, a market swing. Balances and ratios shift, and the dimension that most deserves your next dollar shifts with them. Your data is never saved: every number is computed locally in your browser and nothing is transmitted or stored, so you can be fully honest with the inputs and get an accurate score.