🌱 New to Measuring Wealth? Start Here
If words like “net worth,” “asset allocation,” or “savings rate” make your eyes glaze over, you’re in the right place. You don’t need any financial background to use this site. This guide walks you through what a wealth score is, where to start, and how to turn a number into a few useful next steps.
What a wealth score actually is
A wealth score is a snapshot of how well-resourced your life is right now — not just your bank balance. We measure eight dimensions, each scored from 0 to 100:
- Financial — how money flows in and out, and whether debt is under control.
- Retirement — whether your savings are on pace for later life.
- Security — your safety nets: emergency savings, insurance, passwords, legal documents.
- Medical — access to care, coverage, and being prepared for health surprises.
- Physical — movement, sleep, and nutrition habits.
- Mental — stress, purpose, and continued learning.
- Social — the people you can count on and who count on you.
- Time — how much control you have over your days.
Each assessment takes about two minutes. There are no trick questions and no “right” answers — only honest ones.
Which assessment should you take first?
Start with whichever area feels most pressing. If you’re not sure, use this shortcut:
- Money feels tight or confusing → Financial.
- You worry about “what if something goes wrong” → Security.
- You feel busy but not productive → Time.
- You’re over 40 and unsure if you’re saving enough → Retirement.
Want a quick money baseline before any of these? The Net Worth Check compares what you own and owe with what’s typical for your age and income in about a minute.
How to read your results
Think of each score like a weather report, not a grade:
- Below 40 — a real gap. This is where one or two small changes can make the biggest difference.
- 40–70 — the typical range. Some things are working; a few need attention.
- Above 70 — a strength. Protect it, and consider whether it’s costing you in another dimension.
Your results also list your top gaps. Those are the specific habits pulling your score down, and they’re the best place to start. For benchmarks by age and life stage, see What Is a Good Wealth Score?
Your first 30 days
- Week 1: Take two or three assessments. Don’t try to do all eight at once.
- Week 2: Pick one top gap from your lowest score and choose the smallest possible action (for example, “move $25 to savings every payday”).
- Week 3: Automate or schedule that action so it happens without willpower.
- Week 4: Take the remaining assessments to see your full profile, and note your scores somewhere — or create a free account to track them.
Retake your lowest assessment every 60–90 days. The trend matters far more than any single score.
Common beginner mistakes
- Trying to fix everything at once. You can’t maximize all eight dimensions simultaneously — here’s why.
- Answering aspirationally. Answer for the life you have today, not the one you plan to have.
- Comparing yourself to others. Community rankings are interesting context, but your own trend is the useful signal.
Choose your first assessment →