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How healthy is your money, really?
Answer ten quick questions and get your Money Health Check score, a breakdown by category, and a ranked plan of what to fix first.
Sample result
68/100
Solid, with two quick wins
- Emergency fund2.1 months
- Savings rate8%
- Idle cash earning under 2%£4,200
What is happening in your life?
Big moments come with a money to-do list nobody hands you. Each journey walks the right tools in the right order.
6 steps
Having a baby
Nine months is enough time to get the money side calm.
7 steps
Buying your first home
From first deposit pound to first mortgage payment, in order.
6 steps
New job or pay rise
Make the extra money actually land in your life.
6 steps
Made redundant
Get the numbers on your side within a week.
6 steps
Retiring soon
Ten years out is the golden window. Use it.
6 steps
Debt reset
From scattered balances to a payoff date you believe.
Most-used tools
All 37 tools →Take-home pay calculator
What your salary actually pays after tax, NI, pension and student loan.
Pension drawdown calculator
How long your pot lasts at a given income, with growth and inflation built in.
Mortgage repayment calculator
Your monthly payment, total interest, and the year-by-year balance on any mortgage.
Debt payoff planner
Avalanche vs snowball: when you will be clear, and the interest you save.
What the UK actually earns, saves and owns
Original studies built from official data, so you can see where you really stand.
Plain-English guides
All guides →Is 30 hours free childcare actually free?
Term-time only, top-up fees, and the £100k cliff. What the funded hours really cover and how to work out your true bill.
Does Klarna affect your credit score?
Buy-now-pay-later now reports to credit agencies. What lenders see, what hurts, and how BNPL reads on a mortgage application.
How much can I overpay my mortgage without penalty?
The usual 10% a year allowance, how lenders count it, what early repayment charges cost if you cross the line.