Money Checkup
One card, every number in context. Enter what you know — income, savings, 401(k), net worth, mortgage rate, credit score — and each one is placed against its cited benchmark for your age, generation, and state. Fill in as much or as little as you like; it all runs in your browser.
Nothing you type leaves this page — the comparisons run locally in your browser. Benchmarks are context, not grades.
How it’s calculated
Each entered number is compared to the published benchmark for your age group: net worth and savings against Federal Reserve Survey of Consumer Finances 2022 medians; household income against Census Bureau 2024 medians by age of householder (and your state’s ACS median if you choose one); 401(k) against Fidelity’s Q1 2026 generation averages; credit score against Experian’s 2025 generation averages inside the official FICO bands; mortgage rate against Freddie Mac’s current PMMS 30-year average, which this site refreshes automatically.
Educational context only — not financial advice, and deliberately not a composite “score.” Medians describe typical households, not targets; your goals, cost of living, and stage of life matter more than any single comparison.
Worked example
A 35-year-old with $85,000 household income, $12,000 in the bank, a $60,000 401(k), and a 720 credit score: income lands near the $91,620 median for 35–44 householders; savings sits well above the $7,500 SCF median; the 401(k) is below Fidelity’s $82,600 millennial average but ahead of many peers who have nothing saved; and 720 is squarely in FICO’s “Good” band, above the 689 millennial average. Four numbers, four different stories — which is exactly why one composite score would mislead.
Frequently asked questions
Is this a grade or a score?
No — it's context. Each number is placed against the median or average for your age group from a cited public source. Medians describe what's typical, not what's required; being below one is information, not a verdict. Life stage, cost of living, and goals matter more than any single comparison.
Where do the benchmarks come from?
Net worth and savings: Federal Reserve Survey of Consumer Finances 2022 (latest published). Household income: U.S. Census Bureau, Income in the United States: 2024. 401(k): Fidelity's Q1 2026 average balances by generation. Credit score: Experian's 2025 Consumer Credit Review plus the official FICO bands. Mortgage rate: Freddie Mac's weekly PMMS survey, auto-updated. State income medians: Census ACS. Every bar shows its source.
Why medians instead of averages?
For dollar amounts, averages are pulled far upward by the wealthiest households — the average U.S. net worth is about $1.06 million while the median is $192,900. Medians describe the middle household, which is the honest comparison. The 401(k) figure is an average because that's what Fidelity publishes, and the page says so.
Is my information stored or sent anywhere?
No. The comparisons run entirely in your browser — nothing you type is transmitted, stored, or shared. Refreshing the page clears it.
What if I only fill in some fields?
Only the numbers you enter are compared; everything else stays hidden. Age is the one field the page needs, since almost every benchmark is age-based.