Financial health score (0-100) API

Score overall personal financial health 0-100 with a transparent weighted rubric over five normalized factors with explicit documented weights — emergencyFund 0.20, savingsRate 0.25, debtToIncome 0.20, retirementOnTrack 0.20 (Fidelity age-milestone target), creditUtilization 0.15 — returning an A-F grade, a rating bucket, and a per-factor contribution breakdown so the score is auditable. Answers 'how healthy are my finances','what is my financial health score','which factor is dragging down my finances'.

Price$0.01per request

MethodPOST

Route/v1/calc/pf-financial-health-score

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcfinancial-healthscorerubricbudgetingweighted-scorepersonal-financegrade

API URLhttps://x402.hexl.dev/v1/calc/pf-financial-health-score

Integration docs

Example request

{
  "monthlyExpenses": 4000,
  "emergencySavings": 24000,
  "annualIncome": 100000,
  "annualSavings": 20000,
  "monthlyDebtPayments": 800,
  "retirementSavings": 80000,
  "age": 40,
  "creditUtilizationPercent": 10
}

Example response

{
  "rubric": "weighted 0-100: emergencyFund 0.20, savingsRate 0.25, debtToIncome 0.20, retirementOnTrack 0.20, creditUtilization 0.15",
  "score": 78,
  "grade": "C",
  "rating": "fair",
  "breakdown": [
    {
      "factor": "emergencyFund",
      "value": 1,
      "weight": 0.2,
      "points": 20
    },
    {
      "factor": "savingsRate",
      "value": 1,
      "weight": 0.25,
      "points": 25
    },
    {
      "factor": "debtToIncome",
      "value": 0.777,
      "weight": 0.2,
      "points": 15.5
    },
    {
      "factor": "retirementOnTrack",
      "value": 0.202,
      "weight": 0.2,
      "points": 4
    },
    {
      "factor": "creditUtilization",
      "value": 0.9,
      "weight": 0.15,
      "points": 13.5
    }
  ],
  "derived": {
    "emergencyFundMonths": 6,
    "debtToIncomeRatio": 0.096,
    "retirementTargetMultiple": 4
  }
}

Input schema

{
  "type": "object",
  "required": [
    "monthlyExpenses",
    "emergencySavings",
    "annualIncome",
    "annualSavings",
    "monthlyDebtPayments",
    "retirementSavings",
    "age"
  ],
  "properties": {
    "monthlyExpenses": {
      "type": "number",
      "examples": [
        4000
      ]
    },
    "emergencySavings": {
      "type": "number",
      "examples": [
        24000
      ]
    },
    "annualIncome": {
      "type": "number",
      "examples": [
        100000
      ]
    },
    "annualSavings": {
      "type": "number",
      "examples": [
        20000
      ]
    },
    "monthlyDebtPayments": {
      "type": "number",
      "examples": [
        800
      ]
    },
    "retirementSavings": {
      "type": "number",
      "examples": [
        80000
      ]
    },
    "age": {
      "type": "number",
      "examples": [
        40
      ]
    },
    "creditUtilizationPercent": {
      "type": "number",
      "description": "default 0",
      "examples": [
        10
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}