What is your total monthly income?
Include salary, wages, and any other regular income (after tax)
What is your total debt amount?
Include credit cards, personal loans, car loans, home loans, store accounts, etc.
How much do you spend on debt repayments monthly?
Total of all monthly debt payments (excluding mortgage/rent)
How often do you make debt payments on time?
Your payment consistency affects your credit score and financial health
Do you have emergency savings?
Funds set aside for unexpected expenses (medical, car repairs, job loss, etc.)
How often do you worry about money?
Financial stress can indicate underlying debt or budgeting issues
Are you able to save toward financial goals?
Ability to save indicates healthy financial management
Your Financial Health Score
What This Means
Recommended Actions
Ready to Improve Your Score?
Get personalised debt counselling and a custom action plan
Understanding Your Financial Health
Excellent (60-70 points)
You're in great financial shape. You have manageable debt, emergency savings, and can save toward goals. Keep up the good habits!
Moderate (40-59 points)
You're managing, but there's room for improvement. Consider debt consolidation, building emergency savings, or professional budget planning.
At Risk (Below 40 points)
You may be experiencing significant financial stress. Professional debt counselling can help you create a structured plan to regain control.