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We hear a lot about the value in keeping fit and healthy, but it can be tricky to understand how to keep your money in shape.

The Financial Fitness Score helps you understand your financial situation relative to others, and can give you an idea of how to improve it.

How the Financial Fitness Score works

The higher the Financial Fitness Score, the greater your financial health. Here’s a look at what the financial situation of a person with each score might look like:

  • Score 1: Regularly run out of money before payday, likely to resort to payday loans and high-interest credit cards.
  • Score 2: Not enough money to spend on treats (like nights out, clothes, and vacations), have less than one week’s pay in savings, and somewhat rely on paydays loans and other alternatives.
  • Score 3: Limited buffer, with less than one month’s savings in the bank and difficulty dealing with life’s unexpected expenses (car repairs, medical expenses etc.), as well as relying on credit cards and loans in exceptional events.
  • Score 4: Have enough savings to cope with unexpected expenses and plan to achieve long-term financial goals. More than two months’ pay in savings, likely to be paying credit card payments in full.
  • Score 5: Finances are no longer a constraint on living the life they want.

Find Your Financial Fitness Score

Use Salary Finance’s Financial Fitness Score calculator to discover your score, see how you compare to your peers, and learn more about steps you can take to improve your financial health. Once you know your score, log in to FinPath to complete an in-depth assessment, access learning modules and live advisor support, tailored to your individual financial needs.

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