Free · Five minutes · Nothing stored

The Financial Health Check.

A few numbers you already know. Seven dimensions of your financial life. One honest picture of where you stand today.

This is the same seven-dimension lens B3 uses with every client — the teacher building a first emergency fund and the family planning across generations alike. No account, no email, no catch. Just a clearer view than you had five minutes ago.

Before you type a single number: nothing you enter here leaves this page. The sums happen in your browser and disappear when you close it. No storage, no tracking of your figures, no follow-up you didn't ask for.
Your numbers

Money in, money out

Take-home pay after tax, plus any side income.
Everything — rent or loan, food, transport, school, the lot.

What you own, what you owe

Savings, investments, property, vehicle — a rough total is fine.
Home loan balance, car loan, personal loans — all of it.
SEM shares, funds, pension top-ups — money that's working, not sleeping.
The expensive kind of debt. Zero is a perfectly good answer.

The safety net

Cash you could reach within days if income stopped — we work out how many months of expenses that covers.
Beyond what an employer provides by default.
Most people answer no. That's exactly why we ask.
To run the check we need at least your monthly income — the other fields can stay rough or empty.

Estimates are fine. The picture matters more than the decimals.

Your result

What it means

A score is a mirror, not a map.

The picture above shows where you stand across the things that matter. What it means for you — which number to act on first, how it fits your goals, your family and your timeline, and the trade-offs between them — is exactly what a planner reads with you. That interpretation is the conversation, not the calculator; this tool deliberately stops at the honest picture.

Indicative only. A quick picture, not a plan or personalised advice. Always check official sources or speak to an adviser before you act.

A seven-number check is a snapshot, not a plan — and not personalised advice. It cannot see your goals, your timeline, or the trade-offs between them. If anything here surprised you, that surprise is worth fifteen minutes.

The next step — if you want one

Walk through your result with an adviser. Fifteen minutes, no charge, honest both ways.

The discovery call is open to anyone, at any stage — first salary or full estate. We'll tell you plainly whether B3 is the right fit, including when it isn't. Your numbers stay yours: bring them to the call if you wish, or don't.

What the fifteen minutes actually is
  • You talk, we listen — where you are today, and what's on your mind.
  • You leave with one or two honest observations, free, whether or not we ever work together.
  • If B3 can help, we'll show you how. If it can't, we'll say so plainly. No product, no pitch.
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