The Are You Good Financial Health app gives you a simple, science‑based way to understand your financial wellness. We look at what you earn and own (your assets) and what you spend and owe (your liabilities), then compare their values to show whether you're on track for retirement.
To do this, we use a financial concept called Present Value. A dollar you receive today is worth more than a dollar you receive in the future. By converting both your assets (investments, savings, property, and future income) and your liabilities (future spending needs) into their present value, we can accurately measure your long‑term financial health.
When you compare the present value of what you have to the present value of what you’ll need, you get a clear picture of your retirement readiness — and what steps you may need to take to improve it.
In other words, are you good or are you not good? That’s the question 😀.
Unlike traditional retirement-only calculators, our app analyzes your financial health across any time horizon — 5 years, 10 years, 20 years, or beyond. Whether you're planning a major purchase next year or retirement in 30 years, we provide clarity for your specific timeline.
Major purchases, career changes, starting a family, buying a home, or launching a business.
College savings, home upgrades, debt elimination, investment growth, or career advancement.
Retirement readiness, financial independence, legacy planning, and long-term wealth building.
Most people want to feel confident about their financial future — but confidence requires clarity. Without a simple way to measure your long‑term financial health, it’s almost impossible to know whether you’re truly prepared for the years ahead.
Many people worry about whether they’re truly prepared for the future, but they don’t have a clear way to answer that question. Most financial advice is either too generic ("just save more") or too expensive (personalized planning can be costly), leaving people unsure of where they actually stand.
Instead of guessing, our app gives you a clear, research‑backed way to understand your long‑term financial wellness. It brings together your income, savings, spending, and future needs into one simple, meaningful measure.
You don’t need to be a financial expert. You don’t need spreadsheets. You don’t need to run complex projections. The app does the heavy lifting for you — and gives you a single number that reflects your overall financial health.
If you want to dive deeper into how the score works, you can explore the full breakdown on the Financial Freedom Score page.
