GradeMyFinance analyzes your income, spending, savings, debt and investments to show you where you stand — and what you can improve next.
No credit card required • No bank connection required • Your financial inputs stay private
Overall Score
We evaluate income, spending, savings, debt, and investments for a complete picture.
Get recommendations based on your unique financial situation, not a generic checklist.
Log updates over time and watch your grade and net worth move as your finances improve.
Everything is calculated locally in your browser. No bank connection, no unnecessary data collection.
Your Financial Grade is the starting point — not the finish line. Grade My Finance turns your numbers into a simple path forward.
See your overall financial health and the numbers behind it.
Get one clear priority instead of a wall of generic financial advice.
Regrade your finances and watch your score, goals, and net worth move.
Anyone can check their grade in seconds — that tells you if you're doing well. Pro tells you what to do next, and whether you're actually improving.
See where you stand.
Know exactly what to do next.
All calculations run in your browser. Nothing is sent to a server.
We publish the exact weighting behind your grade — no black box.
Specific next steps with dollar targets, ranked by point impact.
See how you compare to our age-adjusted benchmark.
The current score is weighted across income strength, savings rate, non-mortgage debt, age-based net worth, and emergency-fund coverage. These are model benchmarks — not guarantees, official percentiles, or financial advice.
Grade My Finance is designed to give you useful financial insight without making the experience complicated — or asking you to hand over anything you don't need to.
Your financial health at a glance
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The 5 things that make up your overall grade, weighted by how much each one actually matters.
1–2 emails a month. Actionable, no fluff. Unsubscribe anytime.
Post it in our Discord — swap tips, compare progress, no judgment.
We don't have access to your real credit score (no credit bureau connects here) — but utilization, the amount you owe versus your available credit, is the one factor you can see and act on directly. It's also the single biggest lever you actually control, at 30% of a real FICO score.
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General FICO methodology — not calculated from your specific data, since that requires a real credit bureau. Utilization is the only factor above we can actually show you in real time.
Where your money actually sits right now — computed directly from what you entered, no assumptions needed for this part.
This app has no visibility into how your retirement and brokerage accounts are actually invested internally — that detail lives with your account provider, not here. Estimate your split below and we'll compare it to a common age-based guideline.
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Add your recurring bills and subscriptions to see the real total, and how much of your monthly expenses they actually make up. Saved on this device.
Add real life events to your timeline and watch your net worth path reshape around them — buying a home, a kid, a job loss, a raise. See exactly how much runway you have either way.
The "safe withdrawal rate" is the assumption behind every FI number you've ever seen — drag it and watch your actual target move.
Your real hourly wage, based on what you actually entered — then any dollar amount translated into hours of your life.
What % of every future raise do you save instead of spend? Same starting point, wildly different 20-year outcomes.
Ahead, on pace, or behind for your age — at a glance.
If your income stopped tomorrow, what actually happens to your money?
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Age, income, expenses, savings, and debt — entered by hand, right in your browser. No bank connection, ever.
Our scoring model weighs your savings rate, emergency fund, debt load, income, and net worth for your age.
See your letter grade instantly, understand exactly what's helping and hurting, and what to do next.
Share your grade, swap tips, and talk through what you're working on with others doing the same thing.
See what's typical for your age, and how your own net worth compares.
Find out exactly how many months your savings would actually cover.
The 5 factors that actually determine financial health, explained.
More guides on savings, debt, and building net worth over time.
If you are signed out, your calculator inputs stay on your device in local storage. If you are signed in, Grade My Finance can save a financial profile to your account so your dashboard can persist your report. You can use the calculator without saving a cloud profile. When you complete a grade, we do log your letter grade and numeric score (not your financial details) to power our public counter of report cards graded. Full details in our Privacy Policy.
No. Grade My Finance is for educational purposes only and is not a substitute for professional financial advice. Always do your own research or consult a licensed advisor.
We use weighted factors: age-based net worth, income strength, savings rate, emergency fund size, and non-mortgage debt levels. Scores are benchmarks, not guarantees. See the methodology in your report card for exact weights.
It takes about 60 seconds, and your numbers never leave your browser.
