A financial health score summarises how well your overall financial situation is structured — covering emergency savings, debt management, super contributions, insurance, and investment habits. This tool scores you out of 100 based on your answers and gives personalised next steps.

Most financial advisers recommend 3–6 months of living expenses in an accessible savings account. Australian household spending averages around $4,000–$6,000 per month, so a starter emergency fund of $12,000–$18,000 is a common target. Start with one month if building from scratch.

ASFA (Association of Superannuation Funds of Australia) suggests rough benchmarks: around $75,000 by age 35, $175,000 by 45, and $350,000 by 55. These are guides only — your required balance depends on your retirement lifestyle expectations, partner's super, and other assets.

It depends on the interest rate. If your debt costs more than your expected investment return (typically 7–10% for a diversified share portfolio), paying it off first wins mathematically. HECS-HELP is an exception — it carries no interest (only CPI indexation), so investing often makes sense alongside HECS repayments.