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.