Enter your age, income, savings, debt, and savings rate to find out your financial age — and whether you are ahead or behind.
We compare three things: your savings vs benchmark (income x age x 10% is the standard rule of thumb), your debt-to-income ratio, and your savings rate. If your savings exceed the benchmark and your savings rate is strong, your money is younger than you. Behind the benchmark? Your money is older — but completely fixable with consistent action.
Your money age is a snapshot of where your financial life stands relative to your peers and relative to standard benchmarks. A 27-year-old with a money age of 22 is building wealth faster than average — their savings and habits are ahead of what is typical for their age. A 27-year-old with a money age of 35 has catching up to do, but the younger you are when you discover this, the easier the correction.
The most important thing about your money age is not the number itself — it is the direction of travel. A money age that is getting younger every year means your financial habits are working. One that is getting older means it is time for a change.
💡 The benchmark rule: By your age, you should ideally have saved income x age x 10%. At 30 earning $50,000, the benchmark is $150,000 (50,000 x 30 x 0.10). Behind this? Your money age is older. Ahead? Younger.
Your money age changes as your financial picture changes. Use this as a biannual check-in to track your direction. The goal is not a perfect score — it is consistent improvement over time.
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Your Rich Girl Number is the total you need to never stress about money. It has 3 layers: 6 months emergency cushion + 1 year of dream lifestyle + 2 years dream lifestyle buffer. Add them together = your never-worry number.
We compare your savings to a benchmark (income x age x 10%), your debt-to-income ratio, and your savings rate. If you're ahead of the benchmark your money is younger than you. Behind it? Your money is older — but totally fixable.