Financial health score
Enter the money figures you have. See a 0–100 wellness score, which factors helped or hurt, and links to the tools for weak areas. Skip any group you do not want to include.
Your figures
Four independent groups. Leave a group blank to exclude it. Fill both fields in a pair, or neither.
Use take-home if you can. Gross is fine if that is all you have.
Home loan, vehicle, cards, personal loans, store accounts. One total.
Cash you could use in a real emergency. Zero is allowed.
Rent, food, transport, insurance, and other must-pays.
Take-home minus debt repayments minus essentials. Negative is allowed. Leave blank to skip.
Assets minus liabilities today. This is a snapshot, not a trend. Negative is allowed. Leave blank to skip.
Results
Fill at least one complete group, then press Calculate.
This is a wellness self-assessment from figures you enter. It is not a credit bureau score, not a credit check, not a National Credit Act disclosure, and not financial, legal, or debt-review advice. Speak to an NCR-registered counsellor before you make decisions.
How the estimate works
Four optional factors
Debt-to-income, emergency months of cover, leftover money, and current net worth. Each present factor can add up to 25 points.
Missing factors
Blank groups are left out and named. The 0–100 figure is rescaled over the factors you completed.
Not a credit score
Categories are needs attention, building stability, stable, and strong. This page does not look up a bureau file.
Common questions
Is this a credit score?
No. It is a self-assessment from the figures you type. It is not a bureau product and not a 300–850 style credit score.
Do I have to fill every factor?
No. Complete the groups you have. Leave the rest blank. A half-filled pair is an error until you finish it or clear it.
Is this an NCA disclosure or advice?
No. The score and categories are estimates and guidelines. They are not National Credit Act disclosures and not a recommendation to take on or restructure debt.
Continue with a useful next step
- Build a household budget
Use your income and actual spending to plan a manageable month.
- Check your full household budget
See what is left after living costs and debt repayments.
- Financial wellbeing at work
Explore financial education and support for employees.
- Choose another money tool
Find a calculator for interest, spending, savings or repayment planning.