Financial Health Score

• In the last 12 months, how often were you unable to pay an essential bill on time?I am behind on one or more bills now = 1 · Four or more times = 3.25 · Two or three times = 5.5 · Once = 7.75 · Never = 10
• During the last 12 months, how often did you save or invest some money?Never = 1 · Once or twice = 3.25 · In some months = 5.5 · In most months = 7.75 · Every month = 10
• How long could accessible savings cover your household’s essential expenses?Less than one week = 1 · One week to under one month = 3.25 · One to under three months = 5.5 · Three to under six months = 7.75 · Six months or more = 10
• Which best describes your debt payments during the last 12 months?I am behind now = 1 · I am caught up now, but missed more than one payment = 1 · I missed one payment = 3.25 · I paid everything, but it was often difficult = 5.5 · I paid everything, but some months were tight = 7.75 · I had no debt, or paid everything without difficulty = 10
• Do you have debt that is expensive or that you never fully pay off? A listed balance is currently overdue = 1 · A payday or quick loan is outstanding = 1 · A balance is growing despite payments = 1 · I have carried a credit-card balance for at least three months = 3.25 · I have used an overdraft continuously for at least three months = 3.25 · I have carried a credit-card balance for less than three months = 5.5 · I have used an overdraft for less than three months = 5.5 · This happened in the last 12 months but is cleared now = 7.75 · None applies = 10. The lowest selected value counts. A mortgage or student loan does not count merely because of its type.
• What are your household’s average monthly income and total spending? Scored as spending as a share of income:. 110% or more = 1 · 100% to under 110% = 3.25 · 90% to under 100% = 5.5 · 80% to under 90% = 7.75 · under 80% = 10
• In an average month, how much do you save or invest? Scored as saving as a share of income:. 0% = 1 · above 0% to under 5% = 3.25 · 5% to under 10% = 5.5 · 10% to under 20% = 7.75 · 20% or more = 10
• How much do you have to pay towards debt each month? Scored as required debt payments as a share of income:. 50% or more = 1 · 40% to under 50% = 3.25 · 30% to under 40% = 5.5 · 15% to under 30% = 7.75 · under 15% (including no debt) = 10
• What are your household’s total non-pension assets and total debts today? When there are debts, scored as assets as a share of debts:. under 50% = 1 · 50% to under 100% = 3.25 · 100% to under 150% = 5.5 · 150% to under 200% = 7.75 · 200% or more = 10
• Assets when there are no debts: no assets = 5.5 · assets above zero but below one month’s spending = 7.75 · assets of at least one month’s spending = 10
• Could you cover an unexpected cost equal to half your household’s monthly spending without missing essential bills? No, I am already behind on bills = 1 · Only by missing a bill or taking new debt = 3.25 · Only by selling something or asking someone for help = 5.5 · Yes, but it would use most of my accessible savings = 7.75 · Yes, without affecting essential bills = 10
• Compared with 12 months ago, is your non-pension net worth…Much lower = 1 · A little lower = 3.25 · About the same = 5.5 · A little higher = 7.75 · Much higher = 10
• How often do you put money towards a long-term goal? (asked under 55) Never = 1 · Once or twice a year = 3.25 · Every few months = 5.5 · In most months = 7.75 · Every month = 10
• What share of your expected retirement spending could reliable income cover? (asked at 55 and older) I have not estimated it = 1 · Less than half = 3.25 · About half = 5.5 · Most, but not all = 7.75 · All or more = 10
• Have you checked what would cover the financial risks that matter for your household?No, or I am not sure what would cover them = 1 · Yes, and I found major gaps = 3.25 · Some important risks are covered = 5.5 · Most relevant risks are covered = 7.75 · All relevant risks have a clear source of cover, reviewed after major changes = 10

Methodology version 1.0, reviewed 14 August 2026. Changes to thresholds or wording will be listed here.