Where do you actually stand?
Five core questions, plus a safety check if you already invest. A scored reading across five dimensions of your financial position.
Financial Health Score by NairaJournal
Question 1 of 6
If your income stopped today, how many months of rent, food, transport, and bills could you cover from money you already have?
Count the essentials you would still need to pay: rent, food, transport, and bills. Count only money you can access now, not investments you would need to sell.
How much of your monthly take-home pay goes to debt repayments? Include loans, credit cards, and BNPL.
Take-home is what lands in your account after tax. Count only repayments you have to make each month.
What share of your income do you actually keep, in savings or investments, not spent or sent?
If you keep 10 out of every 100 you earn, that is 10%. Count money market funds and fixed deposits. Money you send to support family counts as spending, not saving.
Are you currently putting money into any investment on a regular basis - a fund, stocks, bonds, or a fixed deposit?
A money market fund and a fixed deposit count. A regular savings account does not.
Have you checked that the platform holding your money is registered with the official financial regulator where you live?
Official regulatory registers are public and free. An unregistered platform has no regulatory protection, no matter how polished the app looks. If you tailor your guidance after the score, we will name the right register.
What is the one financial thing you most want to sort out right now?
This shapes the resources the check points you to. Pick the one that feels most pressing, not the one that sounds best.
Your Financial Health Score
A directional check, not a financial grade
Where to look first
Save this plan
Send it to your inbox
Receive your score, first move, and recheck date.
Your complete checkup
All five dimensions
Open any card for what the answer means and a useful next action.
Your next seven days
A short plan you can start now
Start here
Protect your progress
Platform safety
Find the right official register
Location is optional, stays in this browser for this check, and does not change your score.
Return when change can show
Recheck on
Give your next action time to become a habit. This creates one calendar reminder that you control.
A calendar file will download or open for you to confirm. It contains a fresh tool link, not your score, answers, location, or email.
No calendar? Recheck on .
Pass on the free check
Share without sharing your finances
The default invitation opens a fresh assessment. It does not include your score, answers, location, or dimension statuses.
Share my summary instead
You can change any answer. A revised answer recalculates the score transparently.
What the three score bands mean
The score describes this tool's rubric, not your standing against other people. Read the guide for Early stage, Building, or Solid foundation. Each guide explains useful next steps. Your own result appears above without an email address.