Last updated: 2026 assumptions reviewed. Assumptions & sources
Tools & Resources

Financial Health Scorecard

Five areas. One score. A clear picture of where you stand, and what to work on first. Takes about three minutes.

Your Numbers

Use rough numbers. This is a snapshot, not an audit. Accuracy within 10% is fine.

1 Giving
$
$
2 Saving & Investing
$
Include RRSP, TFSA, FHSA contributions, emergency fund additions, and non-registered investments.
3 Debt
$
Credit cards, car loans, lines of credit, student loans. Exclude mortgage.
$
Auto-calculated from annual income above.
4 Housing
$
Rent or mortgage + property tax + heating.
5 Emergency Fund
$
$
Housing + food + transport + utilities + insurance + minimum debt payments.

Your Financial Health Score

0
/ 25

How Scoring Works

Each of the five areas is scored 1–5. Total score out of 25.

Giving (1–5)
Based on your giving as a percentage of gross income. 10%+ = 5 points.
Saving (1–5)
Based on your savings rate. 15%+ = 5 points.
Debt (1–5)
Based on consumer debt relative to monthly income. Debt-free = 5 points.
Housing (1–5)
Based on housing cost as % of gross income. Under 25% = 5 points.
Emergency Fund (1–5)
Based on months of expenses covered. 6+ months = 5 points.

Use it as a compass

A score of 25 isn't the goal. Wisdom is. This tool helps you see which areas need attention so you can focus your energy rather than trying to improve everything at once.