FINANCIAL HEALTH SCORE

What does your broader financial picture look like?

Build a quick baseline using the same top-level Financial Health Score structure and grading bands used by WealthNX, then see which areas are doing the most work.

Under 4 minutes
No bank login
Core result before email
Same WealthNX score bands

1. Your monthly picture

Use a typical month. Rough numbers are fine for this lead-magnet prototype.

Take-home income

Gross income

Essential spending

Housing, food, utilities, insurance, transport and other essentials.

Other spending

Required monthly debt payments

Used here to see cash-flow pressure, not to price a loan.

Monthly saving + investing

Liquid savings

Cash or savings you can readily access.

Bills paid on time

2. Goals, planning & coverage

These checks help estimate the two app-dependent dimensions that cover goal progress and planning/coverage.

I am actively working toward at least one financial goal.I can tell whether that goal is ahead, on track, or behind.I plan for large irregular or annual expenses.I have reviewed whether my current insurance/protection coverage still fits my needs.I know how I would cover a meaningful unexpected expense.Important financial dates or renewals are visible in one place.

3. Clarity snapshot

This is a diagnostic, not a second Financial Health Score. It simply shows how much of your financial picture you can see without rebuilding it manually.

Can you work out your current net worth without opening several apps?

Do you know roughly what comes in, goes out and remains each month?

Do you know your recurring bills, subscriptions and recurring charges?

Can you identify where all meaningful financial accounts are held?

Can you explain the main reasons your financial position changed recently?

Are important financial dates and obligations visible in one place?

How many separate financial apps/sites would you need to open to rebuild your broader picture?

Shown as context only. It does not change the Financial Health Score.

WealthNX Financial Health Score

Excellent

Your score sits in WealthNX's Excellent band based on the information entered.

Separate visibility diagnostic

Partial visibility

You can see parts of the picture, but 5 of 6 areas still require some checking or manual review.

Net worth checkMonthly cash flow clearRecurring costs checkAccount locations checkRecent change drivers checkFinancial dates check

What is driving your Financial Health Score

Cash Flow & Daily Control

30%

Liquidity & Resilience

25%

Savings & Goal Progress

25%

Planning & Coverage

20%

Monthly surplus

$2,300

Emergency runway

3.8 mo

Debt payment ratio

12.1%

Savings rate

16.7%

Your immediate read

Financial Health's strongest measured dimension is Cash Flow & Daily Control (98/100); lowest is Liquidity & Resilience (68/100).

Clarity snapshot: 5 of 6 visibility areas require at least some checking. This does not change your Financial Health Score.

You rebuilt this snapshot from 7 numbers, 6 planning/goal checks and 6 visibility answers.

You estimated that it takes 1 separate financial place to rebuild your broader picture. This fragmentation depends on your context only.

Unlock the full X-Ray

Your lowest measured dimension is Liquidity & Resilience (68/100). Unlock the full dimension breakdown and what-if preview.

Your biggest Financial Health score drivers

1. Liquidity & Resilience

Liquid savings cover 3.8 months of essentials; debt payments are 12.1% of gross income.

68/100

2. Planning & Coverage

You completed 3 of 4 planning and coverage checks.

75/100

3. Savings & Goal Progress

Monthly saving and investing equal about 16.7% of take-home income; goal checks completed: 2 of 2.

89/100

4. Cash Flow & Daily Control

Monthly surplus of $2,300 (19.2% of gross); bills paid consistently.

98/100

What-if score preview

Change one assumption below to see how the Financial Health Score might move. This is illustrative, not a recommendation or forecast.

Add to monthly saving

+$250/mo

Reduce monthly spending

-$200/mo

Add to liquid savings

+$5,000

Projected Financial Health Score

90 +6 points vs current

You assembled this picture manually once.

Inside WealthNX, the Financial Health Score is designed to use financial information reasonably available through your accounts, while the broader product brings balances, cash flow, recurring costs and progress into one place. Manual entry remains available and account connection is optional.

Explore WealthNX

How is this calculated?

WealthNX's own Financial Health Score methodology is based on financial information reasonably available through your account. In this lead-magnet prototype, the score is estimated from the information you enter manually.

It is not a credit score, a net-worth measure, or an investment-risk score, and is for informational purposes only — not financial, legal, tax, or investment advice, and not a substitute for professional guidance. A 100/100 in any section is the maximum score for that section only, not a claim that your finances are complete or risk-free.

Cash Flow & Daily Control

30%

Liquidity & Resilience

25%

Savings & Goal Progress

25%

Planning & Coverage

20%

Score bands

Excellent

80-100

Fair

40-79

Needs Review

0-39

Score bands are aligned to the published benefits of the Financial Health Network's FinHealth Score model, a widely used framework for measuring financial health on a 0-100 scale. WealthNX uses its own labels for those bands. Only the 0-100 band cutoffs are aligned; which dimensions and metrics make up the score, and their weights, are WealthNX's own.

WealthNX uses its own scoring dimensions and weights to provide an informational view of financial health.

The Clarity Snapshot is a separate descriptive lead-magnet diagnostic. It does not change, replace, or re-grade the WealthNX Financial Health Score.

Your Financial clarity starts here

Connect accounts, track net worth, analyze stock, crypto and get clear insights with AI, all in one place.

Start Your 7-Day Free Trial

WealthNX app screens: Clear AI Answers, Crypto Insights, Track Net Worth, Analyze Stocks, Connect Accounts