93
Grade A
Financial health
Every check could be scored. The weights: emergency fund, cash flow, debt and investing 20% each; cash efficiency and data quality 10% each.
From the numbers alone, before the coach weighs in.
Set cards to pay the statement in full
You hold far more cash than you owe on cards. Autopay for the full statement balance removes interest and late fees without thinking about it.
No HSA on file
If your health plan is a qualifying high-deductible plan, an HSA is the only account that is tax-free going in, growing, and coming out for medical costs. Add it if you have one.
$5,129 could earn $195 more a year
Keep about 1.5 months of spending in checking and sweep the rest to a high-yield savings or money-market account (4.2% vs 0.4% average). A recurring transfer the day after payday makes it automatic.
20% of the score
10.4 months
$50,700 of reachable cash against about $4,881 of monthly spending. The target is 3–6 months.
20% of the score
41% saved
About $8,250 in and $4,881 out per month over the last 3 months. Planners aim for 20% or more.
20% of the score
22% of assets
$178,240 owed against $820,994 of assets. $3,240 of it is on cards or lines of credit.
20% of the score
35% invested
$285,293 in markets, $98,451 of it tax-advantaged.
10% of the score
$5,129 idle
$5,129 sits in checking; in a high-yield savings account it would earn about $195 more a year at today's rates.
10% of the score
1 to fix
No linked banks.
Sample plan
Roughly $50,700 of reachable cash covers about ten months of spending, so the emergency fund is more than done. You save a healthy share of income and the only debt is a mortgage plus a card that looks like it’s paid monthly. Three things would make the setup work harder: sweep the excess in checking into the savings account that already pays a real rate, confirm every tax-advantaged account is on the board (no 401(k) or HSA is visible), and put the card on full-statement autopay so it can never cost interest.
Written for the demo household. Sign in for a plan about your accounts.
Working well
The assessment shows a Roth IRA and a taxable brokerage account but no workplace plan. With about $8,300 a month of income, the 2026 employee limit of $24,500 is the single largest tax shelter available to you, and any employer match is an immediate return no investment can beat. If the account exists, adding it fixes the picture; if it doesn’t, the payroll deferral is the first thing to set up.
Make it automatic. Payroll deferral is the automation: set the percentage once and it runs every paycheck.
Rules: 2026 401(k) employee limit; Order of operations.
About $12,500 sits in checking against roughly $4,900 of monthly spending. Keeping a month and a half ($7,400) there and moving the rest to the high-yield savings account you already have earns about 4.2% instead of roughly nothing: around $190 a year on today’s $5,100 of excess, and more as the balance grows.
The $3,240 card balance is well under a month of spending and you hold fifteen times that in cash, so you are almost certainly paying in full. Autopay removes the one way this can go wrong: a missed due date costs a late fee plus interest at around 21% APR.
No HSA is visible. If your plan qualifies, up to $4,400 (self) or $8,750 (family) in 2026 goes in pre-tax, grows untaxed, and comes out tax-free for medical costs. At a 24% bracket, maxing a family HSA is worth about $2,100 in tax a year before any growth.
The Roth IRA is here but the assessment can’t see contributions. At your income the direct Roth route is open (the 2026 phase-out starts at $153,000 single / $242,000 joint), and the $7,500 limit resets each year: room you don’t use is gone.
The home is 59% of your assets and its value is entered by hand. A stale figure quietly distorts net worth and the debt ratio.
To sharpen this plan, the coach would want to know
2026 401(k) employee limit
You can defer up to $24,500 into a 401(k), 403(b), governmental 457 or TSP in 2026; $8,000 more at 50+, and $11,250 at ages 60–63. Employer match doesn't count against this limit.
IRS Notice 2025-67
2026 IRA limit
Traditional and Roth IRA contributions combined are capped at $7,500 ($8,600 at 50+). Contributions for a tax year can be made until that year's April filing deadline.
IRS Notice 2025-67
Roth IRA income limits
Direct Roth IRA contributions phase out between $153,000–$168,000 MAGI (single) and $242,000–$252,000 (married filing jointly). Above that, a "backdoor" Roth (non-deductible IRA contribution, then conversion) is the usual route; it works cleanly only if you hold no other pre-tax IRA money (the pro-rata rule).
IRS Notice 2025-67; IRC §408A
2026 HSA limit
With a qualifying high-deductible health plan you can put $4,400 (self-only) or $8,750 (family) into an HSA, plus $1,000 at 55+. Contributions are pre-tax, growth is tax-free, and qualified medical withdrawals are tax-free: the only triple-tax-advantaged account.
IRS Rev. Proc. 2025-19
Deposit insurance
FDIC (banks) and NCUA (credit unions) insure $250,000 per depositor, per institution, per ownership category. Cash above that at one bank is uninsured; splitting across banks, using joint accounts, or a sweep network restores coverage.
12 U.S.C. §1821(a)(1); 12 C.F.R. Part 330
Brokerage protection
SIPC protects up to $500,000 of missing securities per customer per brokerage (including $250,000 cash) if the broker fails. It does not protect against market losses.
Securities Investor Protection Act
Emergency fund
Keep 3–6 months of essential spending in cash you can reach within days, ideally in a high-yield savings or money-market account rather than checking. Single-income households and variable earners should lean toward six.
CFPB; common planning guidance
Cash should earn something
In 2026 the average savings account pays about 0.4% while competitive high-yield savings accounts pay about 4.2%. The gap on $10,000 is roughly $380 a year.
FDIC national rates (Sept 2026); published HYSA rates (Oct 2026)
Order of operations
A common ordering: capture any employer 401(k) match first (it is an immediate 50–100% return), then clear debt above ~7% APR, then fill the HSA and IRA, then the rest of the 401(k), then taxable brokerage.
Common planning guidance
Revolving debt
Credit cards typically charge around 21% APR. Paying statements in full costs nothing; a carried balance is the most expensive debt most people hold. Keep utilization under 30% of limits for your credit score.
Federal Reserve G.19 (2026); FICO guidance
Series I bonds
Up to $10,000 per person per year in inflation-indexed, state-tax-exempt Treasury savings bonds; locked for 12 months, three months' interest forfeited if cashed before 5 years. A reasonable home for the "slow" part of an emergency fund.
TreasuryDirect
Taxable account hygiene
In a taxable brokerage, prefer broad low-cost index funds, hold them a year or more for long-term capital-gains rates, and harvest losses against gains when markets dip (mind the 30-day wash-sale rule).
IRC §1(h), §1091
Health is educational, worked out from the balances and transactions in this workspace and the rules above. It isn’t individualised investment, tax, or legal advice; check anything consequential with a professional who knows your full situation.