Free Financial Health Checkup Quiz
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Free Financial Health Checkup Quiz
Answer 10 questions. Get a personalized financial health score with specific action items to improve your money situation. Takes 3 minutes.
[INTERACTIVE QUIZ PLACEHOLDER]
Quiz Questions
1. Emergency Fund Do you have enough savings to cover 3+ months of essential expenses without borrowing?
- Yes, 6+ months → 10 points
- Yes, 3-5 months → 7 points
- Yes, 1-2 months → 4 points
- No → 0 points
2. Retirement Savings Rate What percentage of your gross income do you save for retirement (including employer match)?
- 15%+ → 10 points
- 10-14% → 7 points
- 5-9% → 4 points
- Under 5% or nothing → 0 points
3. Debt Situation What’s your highest-interest non-mortgage debt?
- No debt (except maybe mortgage) → 10 points
- Student loans or car loan under 7% → 7 points
- Credit card debt under $5,000 → 4 points
- Credit card debt over $5,000 → 0 points
4. Insurance Coverage Do you have adequate life, health, and disability insurance?
- Yes, all three reviewed recently → 10 points
- Most coverage but haven’t reviewed in 2+ years → 6 points
- Missing one or more types → 3 points
- Not sure → 0 points
5. Estate Planning Do you have a will, beneficiary designations updated, and power of attorney?
- Yes, all documents current → 10 points
- Some documents, need updating → 5 points
- No estate plan → 0 points
6. Tax Optimization Are you maxing tax-advantaged accounts (401k, IRA, HSA)?
- Yes, all available accounts maxed → 10 points
- Maxing one or two → 6 points
- Contributing but not maxing → 3 points
- Not contributing → 0 points
7. Investment Strategy Is your portfolio diversified with low-cost index funds or a clear strategy?
- Diversified, low-cost, rebalanced → 10 points
- Some diversification, moderate fees → 6 points
- All in one stock or fund → 3 points
- Not invested (all cash) → 0 points
8. Budget Awareness Do you know where your money goes each month?
- Track spending and have a budget → 10 points
- General awareness but no formal tracking → 5 points
- No idea → 0 points
9. Credit Score What’s your approximate credit score?
- 760+ → 10 points
- 700-759 → 7 points
- 650-699 → 4 points
- Below 650 or don’t know → 0 points
10. Financial Goals Do you have written financial goals with timelines?
- Yes, specific goals with plans → 10 points
- Vague goals, no plan → 5 points
- No goals → 0 points
Scoring
| Score | Financial Health | Priority |
|---|---|---|
| 80-100 | Excellent | Fine-tune and optimize |
| 60-79 | Good | Address 1-2 weak areas |
| 40-59 | Fair | Build foundation (emergency fund, debt payoff) |
| 20-39 | Needs Work | Start with basics: budget, emergency fund, employer match |
| 0-19 | Critical | Immediate action needed — consider free credit counseling |
Your Personalized Results
Based on your answers, you’ll receive:
- Your financial health score
- Top 3 priorities to improve (specific to your weak areas)
- Links to relevant iAdviser guides for each priority
- Optional: connect with a financial planner for personalized help
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Get your detailed report emailed to you with action items and recommended resources.
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This content is for informational purposes only and does not constitute financial advice.