The Paycheck Score™
How well is your
paycheck working for you?
A 0–100 score that measures how well you're turning your paycheck into wealth — security and ownership. Not how big it is; what it's doing for you.
No sign-up needed · about 2 minutes.
1 of 5
Income
About how much do you bring home each month, after taxes?
Your typical monthly take-home pay.
Spending
About how much do you spend in a typical month?
Everything — bills, life, spending.
Of that, roughly how much is essential?
Housing, food, utilities, transport, insurance, minimum debt payments.
Safety
How much could you get to today if you really needed it — without borrowing?
Checking, savings, cash, money-market. Not credit cards or credit lines.
Debt
Which of these do you have?
High-interest debt (cards / personal)
Student / auto / mortgage — combined minimum monthly payment
Investment property / business debt — total balance
Does the income from these assets comfortably cover their debt payments and operating expenses?
Ownership
About what share of your income are you putting toward assets?
401(k), IRA, brokerage, investment real estate, a productive business.
Roughly how much have you built in productive assets?
Retirement, brokerage, investment-property equity, business ownership. Not your car or everyday stuff.