Financial Health Score Calculator

About you

Helps us contextualise your score against peers at the same career stage.

Profession *

Career stage

Your age *

Income & debt

All figures in AUD. Gross income = before tax.

Gross annual income *

Your total income before tax. Include base + super + any locum/private earnings.

HECS/HELP debt balance ($)

Check your myGov account for your current HECS-HELP balance.

Other debt balance — credit card, personal loan, car ($)

Average interest rate on that debt (%)

Use 0 if you have no other debt. Enter your highest rate if multiple debts.

Do you have a mortgage?

Mortgage balance ($)

Mortgage rate (%)

Super & savings

Log in to your super fund app for your current balance.

Superannuation balance ($)

Employer super contribution rate (%)

The mandatory Superannuation Guarantee is 11% (FY25). Hospital employees may receive more.

Emergency fund — months of expenses covered

How many months could you cover all living expenses from savings alone?

Monthly savings amount ($)

What you reliably save each month after all expenses (before super).

Investments

Outside of super — shares, ETFs, crypto, managed funds.

Total investment balance outside super ($)

Include brokerage accounts, ETFs, shares, crypto (at current value). Exclude your home and super.