# Am I Financially Healthy? A Free Financial Health Check | WealthAge WealthAge is a personal finance app: six questions about income, spending, debt and savings for a free score, validated against Census data, 24,162 households. - Home - Stress test The complete personal finance app for financial resilience # Am I financially healthy? Financial health is how long you could cover essentials if your income stopped. WealthAge is a personal finance app: accounts, transactions, spending and cash flow together. Five questions, then a free Google account, then your number. No bank login, no card. WealthAge sits on the same shelf as Copilot Money and Monarch Money: accounts, transactions, spending, cash flow and net worth in one place. Your credit score measures your value to lenders, not your resilience to losing income. The WealthAge Resilience Score reads that instead. QUESTION 1 OF 6 · nothing saved yet feeds: income adequacy · income replacement ### Money in Your net monthly income Take-home, after tax. Rough is fine. Next → Start the free test The six questions ## Each of the six questions feeds one factor in your score Nothing here asks for a bank login or a card. Your answers are sent to our server only to compute the score, and nothing is stored until you choose to save it. - Q1 Money in. Your net monthly income, and who else in your household earns. feeds: income adequacy, income replacement - Q2 How you work. Whether you're a W-2 employee or self-employed, and how exposed your role is to AI and automation. feeds: income replacement, including AI exposure - Q3 Essentials. Essential spending per month, and whether you rent or own. feeds: committed costs, liquid runway - Q4 Debt. Minimum debt payments per month, and credit-card utilization. feeds: debt service - Q5 Reachable money. Liquid savings you could reach this week, plus brokerage, retirement, home equity and crypto. feeds: liquid runway, the accessible buffer, with crisis haircuts - Q6 Protection. Dependents, health insurance, disability insurance, and family support you could call on. feeds: protective context ### What you get back Your WealthAge score, 0 to 1000 with a survival sentence: about how many months you'd cover essentials if income stopped. Why it is what it is reason codes naming your strongest factor and your weakest. A confidence read based on how complete your answers are, shown beside the number, not hidden. Macro Climate a separate, dated read on the wider economy, shown beside your number when available, never blended into it. Illustrative example: a score of 687 and a runway of 5.2 months, simulated, not a real user. This is a snapshot from what you enter here, not a live-updating number. What a computed score means ## A computed score is not a self-graded quiz Your score runs a shock against the numbers you enter. It weighs what you could reach, what keeps draining, and what would replace your income. Liquid runway counts for the most of the six factors. And if one factor is fragile enough, it caps the score, so strength elsewhere cannot average the risk away. The full WealthAge model is validated on U.S. Census Bureau survey data, SIPP: 24,162 households' 2022 finances checked against whether they actually hit financial hardship in 2023. That validation applies to the full model, not to this six-question estimate. The method page states what was validated, against which outcome, and its limits. We publish the method: what goes in, why, and how well it predicts. We don't publish the machinery. The exact weights, thresholds and calibration stay private, the same boundary every serious score keeps. Full method: how the score is validated . Get WealthAge See this computed from your real accounts, not six typed answers. Credit score versus resilience Most people arrive at this question already carrying a mental model of what "score" means, and it's the wrong one. ## A credit score and a resilience score answer different questions A credit score, FICO or VantageScore , predicts how likely you are to repay a lender on time. Both weigh payment history, amounts owed, length of credit history, credit mix, and new inquiries. Neither asks whether you could cover your bills if your income stopped tomorrow. A high credit score and a fragile financial position can sit in the same household. That happens often. Your score asks the other question directly: not your reliability to a lender, but your resilience to losing income. The Operation HOPE Financial Wellness Index , built with Experian and reviewed 10 August 2026, folds a credit score straight into its own community wellness measure. A credit score measures your value to lenders, not your resilience to losing income. The six-question checklist Spend less than you earn. Save three to six months of expenses. Check your credit score. Most people have run some version of this checklist already, this year. ## You have probably run this checklist already, and it cannot answer for you Each rule below is real. Each one is also a self-report average, not a number from your own money. | The rule | Who runs it | Why it can't answer for you | | --- | --- | --- | | Spend less than you earn | MMI's health-signs article; credit-union quizzes; the Financial Health Network's Spend pillar | Self-report of "I usually spend less than I earn" measures memory and self-image, not verified cash flow. | | Three to six months of expenses saved | MMI; credit-union quizzes; the Financial Health Network’s Save pillar | A binary target, not a computed number. It can't say whether your actual liquid buffer covers 2.1 months or 5.9. | | Credit score as a health signal | Credit-union quizzes; the Operation HOPE Financial Wellness Index folds a credit score directly into its own measure | Measures your value to lenders, not your resilience to losing income. The Operation HOPE Financial Wellness Index (with Experian) uses credit scores as its wellness measure outright. | | Credit utilization under 30% | Credit-union quizzes | A ratio about revolving debt. Silent on savings, income, or dependents. | | Contributing to retirement | Credit-union quizzes; the Financial Health Network's Plan pillar | Says nothing about a household with no employer plan, or one relying on other assets instead. | | A debt-to-income or debt-to-asset ratio under a set threshold | Academic financial checkups; the Financial Health Network's Borrow pillar | One threshold applied to every household, regardless of income stability or dependents. | Of the checks we reviewed on 10 August 2026, Money Management International, the nonprofit credit-counseling group, publishes the most detailed version of this checklist ("8 Signs You're Financially Healthy," Jackie Lam, 2 July 2024 ). Spend less than you earn. Save three to six months of expenses, or start with $500. Check your credit score. Balance today against the future. Its own Financial Wellness Test counts signs of financial distress instead of computing anything, so a household doing fine learns only that it is not in crisis. Credit unions run this checklist as a scored quiz too. We reviewed two on 10 August 2026. Oklahoma Central Credit Union's ten-question quiz totals points across the same handful of self-report items. It publishes no basis for the point values, and no stated validation. Ent Credit Union's calculator runs a similar quiz through an embedded third-party tool. Its questions and point values aren't published on the page at all. The Financial Health Network is the nonprofit research group behind the most rigorous version of this checklist, of the set we reviewed on 10 August 2026. It groups the checklist into four pillars: spend, save, borrow, plan. It benchmarks the checklist against a nationally representative sample. But it doesn't publish the eight questions, the point ranges, or the validation itself to a searcher. The toolkit sits behind an institutional license request, aimed at banks and employers, not at you. A checklist built from averages can't answer a question about one household. That's the gap a computed score closes. Common questions ## People ask the same six questions about financial health checks ### What is a financial health check? A financial health check is a review of your finances against a set of standard measures: spending versus income, savings on hand, debt levels, and credit standing. Banks, credit unions and nonprofits all run versions of it, usually as a self-report questionnaire or, sometimes, a coaching appointment. None of the checks we reviewed compute anything from your actual numbers; they compare your answers to a fixed checklist and hand back a label. ### How is a computed score different from a self-graded quiz? A quiz asks you to rate yourself against a checklist and sums the points. A computed score takes the numbers you enter, income, how you work, essential spending, debt, savings and protection, and runs them through a model built from real household data. It runs a shock against the numbers you enter, instead of asking whether you feel prepared. Your score is built this way; the quizzes in this family's own results are self-graded. ### What if I don't have three to six months of expenses saved? The three-to-six-months rule is a savings target, not a measurement of you today. Your score doesn't fail you at a threshold; it weighs your actual liquid runway continuously alongside income, debt and protection, and its reason codes name which factor is holding your number down, rather than handing you a pass or fail band. ### Is this the same as my credit score? No. A credit score predicts how likely you are to repay a lender. It says nothing about whether you could cover your bills if your income stopped. Your score answers that question directly. ### How long does the estimator take? Five questions, then a free Google account, then your last question and your number. No bank login, no card. Rough numbers are fine. ### What can't the estimator see? Only what you type. It asks about health insurance, disability insurance and family support, but takes your word for them: it can't verify coverage limits, waiting periods, or how much help would actually arrive. It has no view of retirement vesting schedules or income you haven't entered. Limits ## The estimator sees only what you type Six questions describe a starting point, not a complete picture. Here is what this estimate can't tell you. What you answered. Your own entries, not verified against your accounts. A quick estimate, not an audit. One day. A snapshot from today's answers, not a continuously updating number. Retake it any time; the new answer replaces the old one. The rest of your picture. It takes your word on health insurance, disability insurance and family support: it can't verify coverage limits or how much help would actually arrive, and it has no view of retirement vesting schedules or income you haven't entered. Sources ## This page states its sources, and when it last changed The score's validation (SIPP: 24,162 households, 2022 finances checked against 2023 hardship outcomes) is described in full, with its limits, on the method page ; that validation covers the full model computed from connected or uploaded accounts, not the six-question estimate on this page. The checklist comparison above cites Money Management International (Jackie Lam, "8 Signs You're Financially Healthy," moneymanagement.org, published 2 July 2024, and its separate Financial Wellness Test, moneymanagement.org, reviewed 10 August 2026), the Financial Health Network (finhealthnetwork.org, reviewed 10 August 2026), two credit-union quizzes (Oklahoma Central Credit Union and Ent Credit Union, both reviewed 10 August 2026), the Operation HOPE Financial Wellness Index (operationhope.org, built with Experian, reviewed 10 August 2026), and the credit-score factor documentation published by myFICO and VantageScore (both reviewed 10 August 2026). Each external link opens the exact page read. Live at wealthagescore.com/stress-test since 31 July 2026. Rebuilt onto the band system and the financial-health-check family on 10 August 2026. Corrections: 2026-07-31: renamed and repositioned as the free web test, distinct from the paid dashboard. 2026-08-10: rebuilt onto the band system; added the credit-score reframe, the six-question explainer, the sourced checklist comparison, and sibling links to the net worth and runway tools; the page is now a complete answer to "am I financially healthy" with or without the calculator running. All free WealthAge tools · Average net worth by age · Savings runway calculator · Can I retire at this age with this much? ## A checklist tells you what to do. A number tells you where you stand. Five questions above, then a free account, then your last question, free and with no bank login. One limit, plainly: it sees only what you type. WealthAge brings your accounts, transactions, spending and cash flow into the same place as this estimate. Connect them or upload them. WealthAge can then keep your score current as your life changes. It won't stand as just one day's answers. Get WealthAge → Connect or upload to start. See how it works → Canonical: https://wealthagescore.com/stress-test/