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Financial Reality

What grade do your finances deserve?

A 2-minute quiz that grades your finances A+ to F across savings rate, emergency fund coverage, debt-to-income, and retirement trajectory — benchmarks pulled from the Federal Reserve Survey of Consumer Finances.

2-min quiz · No signup·Updated April 30, 2026·Scoring methodology →
Live today · 32 series
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  • 30yr Fixed
    6.23%
  • Fed Funds
    3.64%
  • 10yr Treasury
    4.36%
  • CPI
    330.3
  • Unemployment
    4.30%
  • USD/EUR
    1.1718
  • Bitcoin
    76,263$
  • Savings APY
    0.38%
  • 15yr Fixed
    5.58%
  • Prime Rate
    6.75%
  • 2yr Treasury
    3.84%
  • PCE Inflation
    129.4
  • Labor Participation
    61.90%
  • Hourly Earnings
    37$
  • WTI Oil
    99.89
  • Brent Oil
    113.89
  • Gas Price
    4.12
  • USD/GBP
    1.3518
  • JPY/USD
    159.3500
  • Ethereum
    2,263$
  • Solana
    83$
  • MMA APY
    0.57%
  • 3mo CD
    1.25%
  • 1yr CD
    1.53%
  • 5yr CD
    1.35%
  • Credit Card APR
    21.00%
  • Personal Loan
    11.40%
  • Copper
    12,529$
  • Corn
    213$
  • US GDP/capita
    84,534$
  • World Unemployment
    4.79%
  • EU GDP/capita
    43,305$
  • 30yr Fixed
    6.23%
  • Fed Funds
    3.64%
  • 10yr Treasury
    4.36%
  • CPI
    330.3
  • Unemployment
    4.30%
  • USD/EUR
    1.1718
  • Bitcoin
    76,263$
  • Savings APY
    0.38%
  • 15yr Fixed
    5.58%
  • Prime Rate
    6.75%
  • 2yr Treasury
    3.84%
  • PCE Inflation
    129.4
  • Labor Participation
    61.90%
  • Hourly Earnings
    37$
  • WTI Oil
    99.89
  • Brent Oil
    113.89
  • Gas Price
    4.12
  • USD/GBP
    1.3518
  • JPY/USD
    159.3500
  • Ethereum
    2,263$
  • Solana
    83$
  • MMA APY
    0.57%
  • 3mo CD
    1.25%
  • 1yr CD
    1.53%
  • 5yr CD
    1.35%
  • Credit Card APR
    21.00%
  • Personal Loan
    11.40%
  • Copper
    12,529$
  • Corn
    213$
  • US GDP/capita
    84,534$
  • World Unemployment
    4.79%
  • EU GDP/capita
    43,305$

Source: FRED + Treasury + BLS + CoinGecko + Frankfurter · Refreshed Apr 30, 2:15 PM

What's Your Financial Reality Score?

Answer 4 quick sections. Get your personalized A+ to F grade.

Step 1 of 40%
💰

Income & Savings

How much are you earning and saving?

$
$

How much you save/invest each month

$
After your score
Calculators
Run the weak-area numbers

Emergency fund, debt payoff, retirement calcs — see what your numbers actually say.

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Decade plan
Plan by decade

Targeted playbooks for your 20s, 30s, 40s, 50s, 60s.

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Methodology
How we score

Formulas, benchmarks, and primary sources behind the Reality Score.

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Benchmarks

Grade thresholds draw from the Federal Reserve Survey of Consumer Finances (SCF), the CFPB's financial well-being scale, and standard personal-finance heuristics (3–6 month emergency fund, 36% DTI ceiling, 15% retirement savings rate). Educational, not personalized advice. Updated April 30, 2026.