What is the Financial Health Scorecard?

The Financial Health Scorecard is an objective diagnostic tool that evaluates your personal balance sheet across six pillars: Emergency Cushion, Debt Management, Savings Velocity, Portfolio & Fee Efficiency, Tax Shelter Utilization, and Estate Readiness. It generates a composite score from 0 to 100 with an interactive radar chart and prioritized improvement actions.

What is a good Financial Health Score?

A score of 80 to 89 represents a Strong, resilient financial foundation. A score of 90 or above indicates Elite Institutional Resilience, meaning you possess a 6+ month emergency cushion, zero high-interest debt, a 20%+ savings rate, sub-0.25% ETF fee drag, and optimized tax shelter utilization.

How does portfolio fee drag impact my financial score?

Investment management fees (MER) compound negatively over time. Paying 2.0% in traditional bank mutual fund fees can consume over 40% of your potential 25-year investment returns. Keeping your blended MER under 0.25% via low-cost index ETFs maximizes your score and preserves your wealth.

Interactive Financial Checkup

Personal Financial Health Scorecard

A complete 6-pillar financial diagnostic. Move beyond single stock metrics and score your own financial resilience across emergency savings, debt load, investment rate, fee efficiency, tax shelters, and estate readiness.

Select Jurisdiction Framework

1. Emergency Cushion ???

Monthly Essential Living Expenses ($)

Emergency Cash Reserve ($)

Income Protection (Months)

2. Debt Management ??

Consumer Debt ($)

Mortgage / Primary Debt ($)

Gross Annual Income ($)

Highest Debt Interest Rate (%)

3. Savings & Investment Rate ??

Monthly Savings/Investments ($)

Gross Monthly Income ($)

Employer Match Available (%)

Capturing Full Match?

4. Portfolio & Fee Efficiency ??

Total Invested Assets ($)

Weighted Average Fee / MER (%)

Individual Stock Positions

Home Market Allocation (%)

5. Tax Optimization ???

TFSA Room Utilized (%)

RRSP Room Utilized (%)

FHSA Active (or Homeowner Strategy)

6. Protection & Estate ??

Life Insurance Coverage

Legal Will Executed Beneficiaries Named on Accounts

Financial Health Index

Grade: B+ (Strong)

Outstanding! Your financial foundation is robust, disciplined, and Professional-quality. You are well ahead of the average household.

The Financial Compass (6 Pillars)

Visual diagnostic profile. Balanced outer points represent optimal financial resilience.

Pro Tailored Action Plan

Track your financial health over time with Pro

Pro members unlock quarterly progress monitoring, drift notifications, and an exportable Investor Policy Statement.

Weakest Pillar Portfolio (42/100)

Estimated Financial Drag CA$1,850/yr

Pro Action Protocol Turnkey Blueprint

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Personal Financial Health Scorecard

Private, Client-Side Diagnostic & Zero Commission Bias

BASIC INVESTOR

The Financial Compass (6 Pillars)

Track your financial health over time with Pro