Before "the best stock" or "how much gold," a simpler question: how is your overall financial health? The free XAIAX checkup answers that in under five minutes, with no registration.
The checkup follows the same logic as the six pillars of financial health; here you see how it works in practice.
What does it ask for?
Go to the checkup page:
- Monthly income (required)
- Monthly expenses (required)
- Total assets and debt (optional, but improves accuracy)
- How many months you could go without income (optional)
What do you get?
- Overall score 0–100
- Six-axis chart — savings, reserve, debt, spending, cash flow, net worth
- Comparison to targets — for example, a 20% savings rate and 6 months of reserve
- This month's priority — weakest pillar and one practical suggestion
Six pillars, briefly
- Savings (savings rate)
- Emergency fund (reserve)
- Debt leverage
- Spending to income
- Monthly cash flow
- Net worth
The checkup does not tell you whether you are wealthy; it tells you which bolt to tighten first.
After the checkup
- Read the weakest pillar, not everything at once
- Choose one 30-day action
- Repeat every 3–6 months, or after a major life change
Summary
Simple inputs, score, chart, priority. Under five minutes, before any big investment decision.