Your Free
Financial Health Check

Time to uncover what's strong, what's missing, and what matters next.

🔒 This financial health check is 100% anonymous. You don't have to give us your name, unless you want personalised help later.

Getting started

Which best describes your current life stage?

Select any that apply

I'm a student Just getting started Balancing work and family Building my career Planning ahead for the future Taking a break or changing direction Preparing for retirement None of these quite fit

Getting started

What are your financial goals right now?

Select any that apply

Living Today

We'll look at what you've already got in place, from savings to spending, and whether it's working for you right now.

Just 4 questions, no prep or numbers needed.

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Living Today Question 1 of 4

If an unexpected cost cropped up, like a vet bill or a car repair, could you cover it from savings without borrowing?

Select 1

Yes, more than one month's essentials in savings

Yes, up to one month's essentials in savings

None or very little in savings

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Living Today Question 2 of 4

Do you know how much you spend each month on essential things like your mortgage or rent, bills and food?

Select 1

Yes, I track it regularly

I have a rough idea

No, not really

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Living Today Question 3 of 4

In the last 3 months, have you delayed or missed any essential payments, like your mortgage or rent, bills or food shopping, because you didn’t have enough money?

Select 1

No, never

Once or twice

More than twice

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Living Today Question 4 of 4

Is your income regular and predictable each month?

Select 1

Yes, it's consistent

It varies a bit

It's irregular / I freelance or run a business

I have no income

Protection

This section explores how protected you are if something unexpected happens and what's in place for the people you care about.

We'll ask 5 questions to uncover hidden gaps.

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Protection Question 1 of 5

If you were unable to work for an extended period (e.g. 3–6 months) due to illness or injury, would you have a source of income (insurance, savings, employer cover) to cover your essentials?

Select 1

Yes, full cover (insurance + savings)

I have some cover

I'm not sure what my cover includes

No

I’m not currently working

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Protection Question 2 of 5

Do you have life insurance that would provide enough money for your family or dependents if you died, for example, to cover your mortgage or other major debts?

Select 1

Yes, more than enough

Yes, basic cover

Yes, but I’m not sure how much it covers

No

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Protection Question 3 of 5

Do you have critical illness or serious illness cover (or equivalent savings) to handle major health shocks?

Select 1

Yes, more than enough

Yes, basic cover

Yes, but I’m not sure how much it covers

No

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Protection Question 4 of 5

Do you have medical / health insurance or arrangements to handle major health-related expenses or hospitalisation?

Select 1

Yes, more than enough

Yes, basic cover

Yes, but I’m not sure how much it covers

No

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Protection Question 5 of 5

If you left your job tomorrow, would you still have your key protections (like health insurance or life cover) in place?

Select 1

Yes, I arranged them myself

Some, but not all

No, I rely on work benefits

I don’t have cover for any key protections

Mortgage & home

Your home is likely your biggest asset, or your biggest expense. We'll check in on how secure and efficient your setup is, without needing paperwork or exact figures.

4 questions to help with your mortgage or renting situation

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Mortgage & home Question 1 of 4

Do you know how much time is left on your current mortgage deal or tenancy agreement?

Select 1

Yes, I know the end date

I have a rough idea

No, I'm not sure

I haven’t got a mortgage or a tenancy agreement

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Mortgage & home Question 2 of 4

If something happened to you, would your partner or dependents be able to stay in your home?

Select 1

Yes, everything is covered (e.g. insurance, joint ownership)

Partly, but there are gaps

No or unsure

I don’t have a home or tenancy agreement

I don’t have a partner or dependents

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Mortgage & home Question 3 of 4

If your mortgage or rent increased by 10-15%, would you still be able to cover your other essentials?

Select 1

Yes, I could manage comfortably

It would be tight, but possible

No, it would be a real strain

I don’t pay mortgage or rent

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Mortgage & home Question 4 of 4

Are you aware how changes to the Bank of England base rate affect mortgage payments?

Select 1

Yes, and I check how it impacts my rate

Kind of, but I don't follow it closely

No, I don't really understand how it works

Planning for the future

Your future income matters just as much as your current one. This section checks what's happening with your pensions, whether you've got one or many, and if you're on track.

4 questions which frame your future.

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Planning for the future Question 1 of 4

Do you currently have a personal or workplace pension (not including the state pension), and are you actively contributing to it?

Select 1

Yes, I contribute regularly

Yes, but I'm not currently contributing

No personal or workplace pension

I’m retired

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Planning for the future Question 2 of 4

Are you aware of your current state pension forecast, and whether you're on track to receive the full amount?

Select 1

Yes, I've checked and I'm on track

I've checked but I may have gaps

I haven't checked or don't know

I’ve reached state pension age

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Planning for the future Question 3 of 4

Do you have multiple pension pots, and do you know where they are?

Select 1

Yes, I have multiple pensions and I know where they are

I think so, but I'm not sure where they all are

No, I only have one pension

I don't have a pension

I’m retired

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Planning for the future Question 4 of 4

Are you aware of how much your employer contributes to your pension?

Select 1

Yes, I know

Kind of, but I don't follow it closely

No, I don't really understand how it works

Not applicable at the moment

Growing your Wealth

We'll explore whether you're growing your money over time, how confident you feel about it, and if your plans still match your goals. It's about progress, not perfection.

6 questions to help shape your next steps.

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Growing your Wealth Question 1 of 6

Do you have any planned expenses in the next few years that you'll need money for, such as a home move, career break, or big family cost?

Select 1

Yes, I have saved for it or am actively saving for it

Yes, but I haven't fully prepared for it

No, I invest my surplus money (ISA, pension etc)

No, I haven't thought about it or wouldn't be ready

No, I have no short-term savings goals and tend to spend my surplus

None of the above

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Growing your Wealth Question 2 of 6

Do you save regularly or use Individual Savings Accounts (ISA)?

Select 1

Yes, I save regularly

Occasionally

No

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Growing your Wealth Question 3 of 6

‘Do you invest money for long-term goals (not including your pension), with the understanding that it may rise or fall in the short-term?

Select 1

Yes, I invest regularly

Occasionally

No, but I’d like to learn more

No, I’m not interested in investing

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Growing your Wealth Question 4 of 6

Do you understand the difference between keeping money in savings (low risk, lower return) and investing (higher risk, long-term growth)?

Select 1

Yes, confidently

Partially

No, not really

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Growing your Wealth Question 5 of 6

Have you reviewed your savings or investment plans in the past 12 months to make sure they still align with your goals?

Select 1

Yes, I review regularly

I've checked once this year

I have a plan, but I’ve not reviewed it

No, I haven’t got a savings or investment plan

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Growing your Wealth Question 6 of 6

Have you ever paid for independent financial advice from a regulated independent financial advisor (IFA)?

Select 1

Yes, I have paid an IFA for financial advice

I've considered it, but not yet

No, I have never paid for financial advice

Legacy & succession

No one loves this bit, but having things in place makes a big difference. We'll quickly check if your will and nominations are sorted, and how prepared things would be if life changed.

The final 4 questions to indicate succession.

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Legacy & succession Question 1 of 4

Do you have a legally valid will?

Select 1

Yes – it’s up-to-date

Yes, but I’m not sure if it’s up-to-date

Yes I think so, but not sure where it is

No, I don't have a will

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Legacy & succession Question 2 of 4

Do you know who your pension or life insurance would go to if you died?

Select 1

Yes, and I've named my beneficiaries

I’m not sure if I’ve named beneficiaries

No idea or haven't done it

Not applicable

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Legacy & succession Question 3 of 4

Do you have a Power of Attorney in place in case someone needs to make financial or medical decisions on your behalf?

Select 1

Yes, for both health and finances

Yes, but only for one area

No, or not sure

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Legacy & succession Question 4 of 4

Have you documented key information (e.g. accounts, passwords, insurance details) to help someone manage your affairs if needed?

Select 1

Yes, and I've shared it with someone I trust

Partly, I've made a start

No, or nothing is written down

On a scale of 1-10, how confident do you feel about your finances currently, where 1 is low confidence and 10 is high confidence?

1 Low

2

3

4

5

6

7

8

9

10 High

Your FreeFinancial Health Check

Which best describes your current life stage?

What are your financial goals right now?

Living Today

If an unexpected cost cropped up, like a vet bill or a car repair, could you cover it from savings without borrowing?

Do you know how much you spend each month on essential things like your mortgage or rent, bills and food?

In the last 3 months, have you delayed or missed any essential payments, like your mortgage or rent, bills or food shopping, because you didn’t have enough money?

Is your income regular and predictable each month?

Protection

If you were unable to work for an extended period (e.g. 3–6 months) due to illness or injury, would you have a source of income (insurance, savings, employer cover) to cover your essentials?

Do you have life insurance that would provide enough money for your family or dependents if you died, for example, to cover your mortgage or other major debts?

Do you have critical illness or serious illness cover (or equivalent savings) to handle major health shocks?

Do you have medical / health insurance or arrangements to handle major health-related expenses or hospitalisation?

If you left your job tomorrow, would you still have your key protections (like health insurance or life cover) in place?

Mortgage & home

Do you know how much time is left on your current mortgage deal or tenancy agreement?

If something happened to you, would your partner or dependents be able to stay in your home?

If your mortgage or rent increased by 10-15%, would you still be able to cover your other essentials?

Are you aware how changes to the Bank of England base rate affect mortgage payments?

Planning for the future

Do you currently have a personal or workplace pension (not including the state pension), and are you actively contributing to it?

Are you aware of your current state pension forecast, and whether you're on track to receive the full amount?

Do you have multiple pension pots, and do you know where they are?

Are you aware of how much your employer contributes to your pension?

Growing your Wealth

Do you have any planned expenses in the next few years that you'll need money for, such as a home move, career break, or big family cost?

Do you save regularly or use Individual Savings Accounts (ISA)?

‘Do you invest money for long-term goals (not including your pension), with the understanding that it may rise or fall in the short-term?

Do you understand the difference between keeping money in savings (low risk, lower return) and investing (higher risk, long-term growth)?

Have you reviewed your savings or investment plans in the past 12 months to make sure they still align with your goals?

Have you ever paid for independent financial advice from a regulated independent financial advisor (IFA)?

Legacy & succession

Do you have a legally valid will?

Do you know who your pension or life insurance would go to if you died?

Do you have a Power of Attorney in place in case someone needs to make financial or medical decisions on your behalf?

Have you documented key information (e.g. accounts, passwords, insurance details) to help someone manage your affairs if needed?

On a scale of 1-10, how confident do you feel about your finances currently, where 1 is low confidence and 10 is high confidence?

Your Free
Financial Health Check