Know where you stand today — and exactly how to get where you want to go.
Most people have no idea where their finances actually stand, and not knowing is its own kind of stress. Savology answers it in about three minutes: a report card that grades your whole financial life, and a plan that turns those grades into what to learn and what to do next — without ever connecting an account or handing over personal details.
Free · No account linking · No SSN · Your pace, your terms
✓ 3 minutes, no documents D→B Estate plan, 90 days Three minutes, start to grades. Here's the walkthrough.
This is the actual survey — the same one behind the Free Financial Report Card. No account required to start, and nothing to type for most questions.
Tap through a short set of questions
About three minutes, tap-only answers for most of it — no documents, no account linking, no jargon.
Your grades appear
A report card across your whole financial life — retirement, savings, insurance, debt, and estate — graded A to F, with a copy emailed to you.
Your plan follows
A personalized plan with prioritized action items, so you know exactly what to fix first and how.
What you walk away with
A financial report card
Letter grades across retirement readiness, emergency savings, insurance coverage, debt, and estate planning. See strengths and blind spots at a glance.
A personalized plan
Not generic advice — projections and priorities based on your household, your income, and your goals.
Action items that move the needle
A prioritized to-do list, each with plain-English guidance and resources, so improving your grades is concrete instead of overwhelming.
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 →Your report card is the beginning, not the end.
However you come in, you land in the same place: a platform that turns your grades into progress — and keeps working long after the survey.
Action items paired with solutions
Your weakest grades become prioritized action items — each one plain-English, each one tied to the grade it raises, and each one paired with the way to complete it rather than left as a task you still have to figure out.
Learning curated by your grades
Not a library you have to search. Failed estate planning? You get the estate planning track — 19 planning modules and 18 literacy courses across 60 lessons, in video or reading, with a short quiz to make it stick.
Tools where the work happens
Budgeting, net worth tracking, credit improvement, insurance comparisons, guardianship nominations — built in, so the next step never means leaving to go find a tool.
Vetted providers when you need one
When an action item calls for a product or a professional, we point you to providers we've vetted — your choice.
Re-grade and watch it move
Come back after you act and your grades change. That's the whole point: progress you can see, not a document you file and forget.
The platform includes 19 planning modules and 18 literacy courses across 60 lessons. More than 100,000 households have planned with Savology. Source: Savology platform data, August 2026.
When you want a real person.
Your plan stands on its own — plenty of people never need more. But if you'd rather not do it alone, there is one next step, and it is free: a consultation about your grades and what to do first. No cost, no obligation, and nothing bought or sold in it.
A free consultation
A conversation with a qualified professional about what your report card actually says — which grade is costing you the most, what to fix first, and what it would take. You keep your plan either way, and you are never moved along faster than you want to go.
Free · No obligation · Your report card stays yours
If you joined through an employer, community, or creator
Your community may offer one of these instead.
A Savologist™
A Savology expert who knows the platform inside out — they shorten your learning curve, help you read your grades, and point you to the exact next step for your situation.
An fpGuide™
A financial planning guide: a real person who goes through your actual numbers with you, builds a plan around your grades, and keeps you accountable to it.
A CFP® professional
A CERTIFIED FINANCIAL PLANNER® professional walks through your grades and the larger questions — the ones that don't fit inside an action item.
The State of Household Finances
We graded 58,406 households. More than half have none of the seven basic estate documents, preparation is worst in your thirties, and a higher income does not mean you are ready to retire.
Savology is run by Brian Case, CFP® — a CERTIFIED FINANCIAL PLANNER® professional with three decades in financial services who built and sold his own advisory practice before taking over Savology. He still holds his CFP®, and he writes the company’s guides for advisors and employers himself. The people building this have done the job it is built for.
Frequently asked questions
How long does the financial report card take?
The short survey takes about three minutes and produces a report card that is 99% accurate. The standard survey takes about ten minutes and needs no additional information to develop your complete personalized financial plan.
Do I need to link accounts or upload documents?
No. There is no account linking and no document uploads — you answer a short set of questions, most with simple ranges, and that is enough to grade your financial life.
Is it really free?
Yes. Your report card and financial plan are free. Savology is paid by the organizations it works with — employers, community partners, and the advisory firms that meet households through us — never by you, and never by selling your information.
Do I have to talk to a financial advisor?
No. Your plan is yours, and it stands on its own. If you want to talk to someone, the next step is a free consultation — a conversation about your grades with a qualified professional, with no cost and no obligation. You are never required to take it.