What's a good financial health score?
Higher is better. Roughly, 80+ is strong, 60–79 is solid with room to improve, and below 60 means one or more pillars need attention.
Financial health
Financial health score
Get a 0–100 score across savings rate, debt-to-income, emergency fund, and cash flow — the same pillars NOVOX scores in the app.
Savings rate37%Excellent
Debt-to-income10%Good
Emergency fund2.4 moPoor
Net cash flow$2,200Excellent
How the score works
01
Enter your monthly income, expenses, debt payments, and emergency savings.
02
We score four pillars: savings rate, debt-to-income, emergency-fund months, and net cash flow.
03
The pillars combine into a 0–100 score and a letter grade, with a rating on each.
Financial health FAQ
What targets does it use?
A savings rate around 20%, debt-to-income under 35%, an emergency fund of about 6 months of expenses, and positive net cash flow.
Does NOVOX track this automatically?
Yes. In the app your score updates from your connected accounts, with the top actions to improve it.
Your Wealth.
Unified. Simplified. Amplified.
Download the NOVOX finance app to track your net worth, manage your portfolio, and stay on top of investments from one secure workspace on iOS and Android.
Rated 4.5 in app stores