Grade My Finance gives you a full financial health grade in under a minute — income, savings rate, debt, emergency fund, and net worth, all weighted transparently (we publish the exact formula). No sign-up, no bank connection — every calculation runs in your browser and nothing is stored on our servers. You get a specific, ranked plan to raise your grade, not generic advice. Free forever, with an optional Pro tier for deeper tracking, net worth projections, and saved scenarios.