Margin Score – your personal finance & money skills score
One number. How much room you've got.
Not how much you can borrow. What actually matters. Enter your numbers below.
Powers your Margin Score and personal finance risk score. Same numbers across all tools—enter once.
Strong.
Monthly margin: $2,000
How we built it
No black box. A base of 400. Five pillars. Same math as the Credit vs Margin guide.
The gap between income and expenses (your margin). Max at 40% savings rate. The fuel for everything else.
Max at a 40% savings margin (income minus expenses, divided by income).
Months of expenses in cash (emergency fund). Max at 6 months. Your safety net so life doesn't push you into debt.
Max at 6 months of expenses in emergency savings.
Sinking funds for life upgrades—vacations, car, wedding. Max at 6 months of expenses. Freedom to spend without guilt.
Max at 6 months of expenses in sinking funds (lifestyle margin).
Long-term investments vs. annual expenses. The more you have invested, the more points. Money working for you over time.
Points scale with long-term investments as a multiple of your annual expenses.
One more thing
This is the number that matters.
Credit score = borrowing. Credit Margin Score = room. Not chains. Freedom.
Credit vs. Margin →Your risk score →