Most people can't tell if their finances are actually okay. In three minutes, you can.
Savology grades your whole financial life — retirement, savings, insurance, debt, and estate — so you stop guessing, know exactly what to fix first, and can watch it improve.
Free for individuals · No account linking
B+ Overall grade A− Emergency fund 
Start with the time you have.
Three ways in, one destination: knowing where you stand and what to do first.
Quick report card
The fastest answer: a short set of questions, your grades — 99% accurate — and the handful of action items that matter most. Done today.
Get my quick report card →Complete financial plan
The standard survey builds the whole picture: your report card plus a complete personalized plan — and it needs nothing beyond the survey. No documents, no account linking.
Build my full plan →Explore first
Create a free account, browse the education library, and finish your survey whenever you're ready — your progress saves as you go.
Create a free account →One platform, three ways in
Savology serves the whole ecosystem around a household's financial future.
Individuals Find out if you're on track
A free report card that shows exactly where you stand — plus a personalized plan and action items that raise every grade.
Get graded →
Advisors Consultative from minute one
Run the report card across your whole practice — prospecting, first meetings, and annual reviews that start from a shared picture instead of a cold start.
For advisors →
Employers A benefit with nothing to enroll in
Every employee gets their own report card in three minutes. Reduce money stress without touching anyone's personal data.
Bring it to your team →Built for your world
We partner with organizations already caring for the wellbeing of their communities — and add the layer of personal financial wellbeing. Each community keeps its own brand, built on the same report card.
Direct Wealth Care
Conflict-free financial clarity for physicians and healthcare professionals, powered by Savology.
Healthcare staffStaffGuidance.Health
The Cook Center's healthcare initiative: expert mentorship for healthcare staff, with Savology adding the financial wellbeing layer.
School staffStaff Guidance
Financial wellness for the people who run our schools, alongside the Staff Guidance support hub.
Parents & familiesParent Guidance
The financial side of family wellbeing, alongside Parent Guidance's support for parents.
How it works
Answer a few questions
About three minutes for the short survey — about ten for the standard survey, which needs nothing more to develop your complete plan. No account statements, no document uploads, no jargon.
See your report card
Grades across retirement, savings, insurance, debt, and estate planning. This is where the guessing stops — exactly where you stand, at a glance.
Raise your grades with a plan
A personalized plan with prioritized action items you can do yourself, with resources for each one.
Get matched — when it's a good fit
Want professional help? When we see a real need and a good fit, we connect you with a well-vetted, qualified advisor — always your choice, never an obligation.
Source: Savology platform data, August 2026.
Frequently asked questions
What is Savology?
Savology is the financial report card platform. The short survey takes about three minutes and produces a report card that is 99% accurate — grading areas like retirement, emergency savings, insurance, and estate planning. The standard survey takes about ten minutes and needs no additional information to develop your complete personalized financial plan.
Is Savology really free for individuals?
Yes. Your report card and financial plan are free. Savology is supported by employer partnerships and by our Advisor Matching Program.
Do I have to talk to a financial advisor?
No. Your plan is yours. We only make introductions when we see a real need and a good fit — always to well-vetted, qualified advisors, and never with any obligation.
How does the Advisor Matching Program work?
When your report card shows a real need and a good fit, Savology can connect you with a well-vetted, qualified advisor who suits your situation. The introduction is always your choice, and there is never any obligation.
How do employers use Savology?
Employers offer Savology as a financial wellness benefit. Employees get their own report card in about three minutes — and a complete plan in about ten — and the organization gets a benefit with nothing to enroll in, without handling any employee financial data itself.
The State of Household Finances
We graded 58,406 households across every part of their financial lives. More than half have none of the seven basic estate documents, and the least-prepared households are not the poorest ones.
Know where you stand in three minutes.
Free. Personal. Yours to act on.
Get your free plan
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