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Money health scoreHow's your money really doing?
Move a slider. We won't peek. This is Penny's own health model, running in your browser: nothing you set here leaves the page. In the app, Penny saves your score each month so you can watch it climb.
–out of 100
Your next step
Penny Research model, edition 2026.10. 80 and above is healthy, 40 to 79 is coping, below 40 is vulnerable. Guidance, not financial advice.
Spend
Do you spend less than you earn, and how much of it goes to needs?
Save
Your savings rate, and how many months of essentials your cash covers.
Borrow
Card and loan debt against your income, and what the interest costs you.
Plan
Budgets, dated goals and steady habits that keep the rest on track.
See your real score, every month.
Penny works it out from your own spending, on your device. Free during the beta.