Financial Health Scanner

Review three financial-planning indicators using your UK income, pension and savings inputs.

Website updated 10 October 2026

Calculating your score

Your inputs are sent to FinanceTool’s UK assessment service to calculate this estimate.

Editable sample: £50,000 salary, £2,500 employee pension, £2,000 annual savings, no student loan, rUK. A score appears when the UK assessment service responds.

Your inputs

Enter gross annual pay or trading income and your own pension contribution. Results update as you type; employer contributions do not reduce your personal taxable income in this model.

Tax year: 2026/27.

Employment income basis

Company-director and contractor-specific tax cases are not modelled separately.

Annual gross income (before tax)

Your annual gross pension contribution

Enter the gross employee contribution. Salary-sacrifice NI savings, employer contributions and scheme-specific relief are not modelled.

Annual non-pension savings

Compared with gross income by the scoring model; this is not an emergency-fund adequacy test.

Student loan plan

Select the undergraduate plan and postgraduate loan together if both are deducted from your pay.

Income Tax region

About this calculator

The UK Financial Health Scanner returns an educational score across tax efficiency, pension strategy and savings power using your entered income and financial inputs.

For 2026/27, the model gives Tax Efficiency 40%, Pension Strategy 40% and Savings Power 20% of the total score. It uses the selected rUK or Scottish Income Tax region, employment basis, student-loan plan, gross employee pension contribution and annual non-pension savings. The score bands and savings boundaries are FinanceTool model choices, not official UK benchmarks.

This estimate does not assess household affordability, rent or mortgage costs, non-student debt, emergency-fund needs, employer pension contributions, scheme-specific pension tax relief, investment risk or suitability. Inputs are sent to FinanceTool’s UK assessment service; shareable values are placed in the page URL. Optional score history stays in this browser and is stored only with functional-storage consent. It is not an HMRC calculation, credit assessment or regulated financial recommendation.

Financial health scanner FAQs

What is a good financial health score?

The score bands are part of this FinanceTool educational model, not a UK regulatory, lender or credit-reference standard. Use the result to compare your own scenarios over time; it is not a pass/fail decision.

How is the UK financial health score calculated?

The current assessment service combines three metrics: Tax Efficiency, Pension Strategy and Savings Power. It applies FinanceTool model weights to the salary, pension, savings, tax-year, employment and student-loan inputs you provide. The weights and thresholds are planning assumptions, not official UK standards.

What does the Tax Efficiency score measure?

It is a simplified indicator based on Income Tax, National Insurance and student-loan deductions from gross income using the selected rUK or Scottish Income Tax region. It is not a recommendation to change your tax affairs and does not reproduce every relief, benefit, payroll or Self Assessment rule.

What does the Pension Strategy score measure?

It uses only the gross employee pension contribution you enter in simplified tax-planning checks. Employer contributions, salary-sacrifice NI savings, scheme-specific relief, retirement income, investment choices and annual-allowance suitability are not assessed.

What does the Savings Power score measure?

It uses your entered annual savings relative to gross salary as a planning indicator. It does not assess emergency-fund adequacy, household affordability, debt costs, investment risk or whether the savings level is realistic for your circumstances.

Does the scanner include my rent or mortgage in the score?

No. Housing costs are not collected or included. This is not an affordability, cash-flow or household budget assessment.

Does the scanner calculate credit-card or other debt affordability?

No. The current input only passes a student-loan plan to the UK tax calculation. It does not collect balances, interest rates, repayments or other credit commitments, so it cannot assess debt affordability or creditworthiness.

Does it use official UK averages or compare me with other households?

No. The score is calculated from FinanceTool model weights and your inputs. It does not calculate an official UK percentile or benchmark you against ONS household data.

Which tax year and region does this use?

The scanner currently uses 2026/27 assumptions. Choose Scotland for Scottish non-savings, non-dividend Income Tax bands, or rUK for England, Wales and Northern Ireland. National Insurance and student-loan rules have separate UK-wide or plan-specific rules. The estimate does not reproduce every payroll or relief treatment.

What does the savings chart’s next boundary mean?

It shows where FinanceTool’s proprietary savings score changes at 5%, 10%, 15% and 20% of gross income. These are scoring cut-offs only—not official benchmarks, savings advice or emergency-fund recommendations.

How are my inputs and score history handled?

The inputs are sent to FinanceTool’s UK assessment service to calculate the result. Scenario values are placed in the page URL to support sharing; avoid sharing a URL if you do not want its salary and financial inputs disclosed. Optional score history is saved in this browser only when you enable functional storage consent.

Is this an official HMRC or financial-advice assessment?

No. It is an educational estimate and review prompt. It does not replace HMRC, your payroll calculation, a pension forecast, debt advice or regulated financial advice, and it does not determine suitability or entitlement.

Official public resources

These GOV.UK sources explain the tax, National Insurance and student-loan rules used as context for this estimate. FinanceTool’s score weights and savings thresholds are proprietary model choices, not official benchmarks.

GOV.UK: Income Tax rates and allowances
Official UK Income Tax rates, allowances and tax-year context.
GOV.UK: Scottish Income Tax rates
Official 2026/27 Scottish non-savings, non-dividend Income Tax bands and rates.
GOV.UK: National Insurance rates and thresholds
Employer guidance for current National Insurance rates and thresholds.
GOV.UK: Student loan repayment
Official information about student-loan repayment plans and deductions.

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