Sync your data
We'll email you a 6-digit code to confirm it's you.
See where your money stands.Start with four numbers.
Enter your monthly income, spending, debt payments, and savings. Your score, pressure point, and 30-day focus update instantly.
How is my score calculated?
Each category is scored from 0–100 and weighted equally. Your overall Financial Health Score is the rounded average of the four category scores:
What does your score mean?
A higher score generally reflects stronger cash flow, a larger savings cushion, lower debt pressure, or more room for future goals. A score increase means the financial information entered has improved in one or more of these areas.
Read the full guide: how the Financial Health Score works, with an example →
Financial Health Snapshot
A clear view of your income, outflow, savings protection, and current monthly breathing room.
What Is Shaping Your Score?
Your score is built from savings protection, debt health, cash flow, and available room for growth.
Enter your numbers to calculate savings protection.
Enter your income and debt payments to calculate debt health.
Enter your numbers to calculate monthly breathing room.
Enter your numbers to calculate growth room.
What Deserves Attention First?
Focus on one clear pressure point instead of trying to change everything at once.
Track How Your Score Changes
Set a goal score and see how your Financial Health Score moves every time you save a new review.
Save your first review to start building your progress history. Unlock Premium to see your full trend over time.
Unlock Premium TrackingComplete your score to reveal your next level.
Veto will use the same numbers behind your Financial Health Score to calculate a practical path toward your next score level.
Veto says: Complete your score first, then I'll show you the clearest measurable path forward.
Want a bigger goal? Build my 15-point plan
Meet Your Financial Avatar
Create a free account to save your score, activate your avatar, and let Veto guide your progress.
Optional and free — no bank connection required.
Continue With Veto PRO
Your first NextMove is ready. Unlock score history, saved scenarios, unlimited Veto coaching, voice, and ongoing guidance as your finances change.
See Veto PRO →Complete your review first.
Your action plan will appear after valid monthly income is entered.
Your Monthly Mission
Complete your review to generate a focused monthly mission.
Week 1
Complete your Financial Health Score.
Week 2
Review the pressure point your numbers reveal.
Week 3
Make one focused financial improvement.
Week 4
Retake the review and compare your results.
Understand Your Result
See what the score means, why the weakest category matters, and which action deserves attention first.
What it means
Enter your financial numbers to generate your score explanation.
Why it matters
Your weakest category can affect the rest of your financial system.
What to avoid
Avoid trying to improve everything before you know where the pressure is.
Next best step
Complete your review and focus on the category that needs attention first.
Ask AI what your result means.
Use your completed review to ask clearer questions about savings, debt, cash flow, and the first area to improve.
Continue Through Your System
Score → Spend → Plan → Grow. Each stage builds on the information you entered here.
