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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

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

Nine months is enough time to get the money side calm.

7 steps

From first deposit pound to first mortgage payment, in order.

6 steps

Make the extra money actually land in your life.

6 steps

Get the numbers on your side within a week.

6 steps

Ten years out is the golden window. Use it.

6 steps

From scattered balances to a payoff date you believe.

What your salary actually pays after tax, NI, pension and student loan.

How long your pot lasts at a given income, with growth and inflation built in.

Your monthly payment, total interest, and the year-by-year balance on any mortgage.

Avalanche vs snowball: when you will be clear, and the interest you save.

Original studies built from official data, so you can see where you really stand.

PCP is cheaper monthly, HP ends with you owning the car. Which wins depends on what you do at the end; here is the honest comparison.

Almost always yes. How the charge tapers to £80k, why claiming protects your state pension, and the pension trick that keeps it.

Decades of payments and thousands in interest, by design. Why minimums shrink, and the one change that saves years.