End of Year Money Review
One honest look at your whole year. Enter your annual income, spending across ten categories, debt at the start and end of the year, and your emergency fund — then get your savings rate, money health score, and three editable targets for next year.
Annual income
Annual spending by category
Debt and safety net
Your review
Spending breakdown
| Category | Annual amount | Share |
|---|
Targets for next year
This is an estimate. General information only, not financial advice.
How to use
- Enter your total income for the year and your annual spending in each of the ten categories.
- Enter your debt at the start and end of the year plus your current emergency fund balance.
- Read your savings rate, debt change, emergency cover and money health score.
- Adjust the three suggested targets for next year and print the page.
Note: Savings = income minus spending. Savings rate = savings / income x 100. Emergency cover = emergency fund / average monthly spending.
Tips
- Use bank statements, not memory — most people underestimate small daily spending.
- A 20% savings rate is a solid goal; if you are below 10%, fix one big category first.
- Three to six months of expenses in an emergency fund protects you from new debt.
Frequently Asked Questions (FAQ)
What is a good savings rate?
Most financial educators suggest saving at least 20 percent of income; the tool compares your rate with 10, 20 and 30 percent bands.
How is the money health score calculated?
The score combines three parts: your savings rate, months of emergency cover, and whether your debt went down during the year.
Can I set my own targets for next year?
Yes, the three suggested targets for savings rate, debt reduction and emergency fund are fully editable, and you can print them.
What spending categories does it track?
Ten annual spending categories whose names you can rename to match your life, plus your debt at the start and end of the year and your emergency fund balance.
Can I print my review and targets?
Yes. The print button outputs your full review together with the editable targets for next year.