Houseovo
Budget
Debt
About us
ES·EN

Your Financial Health Score

A complete snapshot of your finances in one screen — budget, savings, debt, emergency fund, and investing.

Income and expenses

$
$
$

Debt

$
%

Protection and future

$
$
0/100
Fill in your data

How we calculate your score

Each category is compared against a standard personal finance benchmark, not against other users:

  • Budget — ideal scenario: no more than 50% of income on needs, no more than 30% on wants (the 50/30/20 rule).
  • Savings — ideal scenario: saving 20% or more of your monthly income.
  • Debt — ideal scenario: debt payments under 10% of your income, with reasonable interest rates (rates above 10% are penalized).
  • Emergency fund — ideal scenario: 6 months of essential expenses covered.
  • Investing — ideal scenario: investing 15% or more of your monthly income.

Your situation

Fill in your income and expenses to see your score.

Your biggest opportunity

—

Your plan

  • —
Coming soon

Save your score and track your progress

Houseovo Pro will let you save this result, watch it change month to month, and let your calculators share your data automatically.

Notify me when it's ready

Frequently asked questions

How is the score calculated?

We average 5 categories (Budget, Savings, Debt, Emergency fund, Investing), each compared against a personal finance standard — not against other users.

What counts as a good score?

80 or higher is considered excellent. 50-79 means you're on track but there's room to improve. Below 50 signals an area that needs attention soon.

How often should I check my score?

Every 3-6 months is enough to see real progress without getting fixated on normal short-term fluctuations.