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Financial Health Calculator
Financial Health Check-up
Answer 8 quick questions to get your financial score and personalized tips for improvement.
Part 1: Spending & Budgeting
After all monthly bills and expenses are paid, how much of your income is typically left over?
Basically nothing (0%)
A little bit (1-10%)
A reasonable amount (11-20%)
A good amount (Over 20%)
Do you actively follow a monthly budget?
Yes, consistently
Sometimes / Loosely
No, not really
Part 2: Savings & Investments
If you lost your income, how many months of essential living expenses could your savings cover?
Less than 1 month
1-2 months
3-5 months
6 months or more
What percentage of your income do you save or invest each month?
0%
1-9%
10-19%
20% or more
Part 3: Debt Management
Excluding your mortgage, what percentage of your monthly income goes toward paying off debts?
0% - I have no debt
1-15%
16-30%
More than 30%
Do you currently have high-interest debt (e.g., mobile loans, credit card balance)?
No, none
Yes, I do
Part 4: Future Planning & Protection
Are you actively saving for retirement (e.g., in a pension, SACCO, or personal investment plan)?
Yes, regularly
I have a plan but contribute infrequently
No, I haven't started
Do you have any personal insurance (e.g., life insurance, personal accident cover)?
Yes, I have adequate cover
No, just the mandatory ones
Calculate My Financial Health Score
Your Financial Health Score
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Spending
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Planning
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