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Financial health score

A simple 0–100 score from sliders you control. Nothing is saved or sent to MizuAlign.

Original MizuAlign educational tool. This calculator is for education only. It does not connect to your MizuAlign account or any bank. It is not financial, tax, or legal advice. Talk to a qualified professional for decisions about credit, debt, or investments.

Emergency fund (months of essential expenses saved) 2 moLiquid cash divided by monthly must-pay costs.Savings rate (% of take-home saved/invested) 8%Include retirement and cash savings.Debt payments as % of gross monthly income 35%Minimum payments on loans, cards, and mortgages.How often you stay within budget (self-assessed) 60%100 = almost always on plan.Bills paid on time last 12 months (self-assessed) 85%Include utilities, rent, loans, and subscriptions.