Assessment
Financial Health Scorecard
A quick composite score across four core indicators — perfect for a first coaching session or quarterly check-in with your clients.
Financial Inputs
Your Numbers All fields monthly
$
Excluding housing and debt payments
$
Rent or mortgage
$
Excluding mortgage
$
$
$
Protection and Planning Checklist
Bonus Indicators +5 pts each
Your Scorecard
—
/ 100 · Composite Score
Bonus Points
Retirement account
+0
Insurance coverage
+0
Estate plan / will
+0
How to Read This
Interpreting Your Financial Health Scorecard
- Emergency Fund Coverage
- Months of essential + housing expenses the current emergency fund could cover. Benchmark: 3-6 months is considered a healthy buffer against unexpected income loss or major expenses.
- Savings Rate
- Monthly savings and investing as a percentage of net income. Benchmark: 15-20%+ supports strong long-term goals such as retirement or financial independence. Below 5% is a red flag worth addressing immediately.
- Debt-to-Income Ratio (Excl. Mortgage)
- Non-mortgage debt payments as a percentage of income. Benchmark: below 15-20% is considered healthy. Above 36% total (including housing) is generally considered high risk by lenders and financial planners.
- Housing Ratio
- Housing payment as a percentage of net income. Benchmark: below 28-30% is the traditional affordability guideline. Above this level, housing costs begin to crowd out savings and other financial goals.
- Composite Score
- A weighted average of the four metric sub-scores (0-100 each), plus up to 15 bonus points for having a retirement account, adequate insurance, and an estate plan. It is a conversation-starter and prioritization tool, not a precise diagnostic.
- Color Coding
- Green = at or beyond benchmark. Amber = below benchmark but manageable. Red = below a threshold that typically warrants immediate attention and coaching action.
This scorecard uses general benchmarks and is a coaching aid only. It is not regulated financial advice and does not account for every individual circumstance. Encourage clients to verify their situation with a qualified financial professional.
1-on-1 Coaching
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