Financial
Health Check

The score is a weighted average of six dimensions: emergency fund (25%), debt health (20%), savings rate (20%), pension coverage (20%), tax efficiency (10%), and protection (5%). Each dimension is scored 0–100 based on Swedish financial planning best practices.

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Focus on the top priority in your action list. For a complete step-by-step plan, use the interactive flowchart – it covers everything from budgeting to long-term investing, personalised for your situation.

Think of it as a compass rather than a final grade. A score above 75 shows the fundamentals are in place. Below 50 there is likely one or two areas needing immediate attention.

Concrete targets by dimension: Emergency fund – 3 to 6 months of fixed costs in an accessible savings account. Savings rate – 15 to 20% of net income over the long term. Debt – no high-interest debt (consumer loans above 5%). Pension – occupational pension with an active fund choice, preferably low-cost index funds. Tax efficiency – an ISK open and used for long-term savings.

The direction matters more than the number. A score that rises year on year is the real signal that your finances are heading the right way.

It depends on where you are. The priority order generally looks like this:

1. Emergency fund – without a financial cushion, all other savings plans unravel when something unexpected happens. Aim for at least 2 months of costs before moving on.

2. High-interest debt – a consumer loan at 10% interest is guaranteed negative return. Paying it off beats every investment alternative.

3. A-kassa and home insurance – cheap protection with large impact if something goes wrong. A-kassa costs 100–200 kr/month and replaces up to 80% of your salary.

4. Pension fund choice – an active fund choice for your occupational pension is free and can significantly increase your final pension capital over time.

The interactive flowchart walks through exactly these steps in order, adapting based on your answers.

SCB data shows the average Swedish household savings rate is around 10–12% annually, but the median hides large variation. A significant portion of the population has no cash buffer and lives paycheck to paycheck.

Some reference points: roughly 40% of Swedish adults lack a buffer equivalent to one month of costs. The majority of employees have ITP or equivalent occupational pension, but few make an active fund choice. ISK accounts are widespread but average holdings per account are low.

The implication: if you have a 3-month buffer, save 10% or more of income, and have an open ISK, you are already in a stronger position than a large share of the population. That is no reason for complacency, but it is a good reason to keep going.

Once per year is a solid baseline. That is enough to catch trends and adjust course without over-analysing small fluctuations.

Also run it after major life events: new job or pay rise, moving home, having children, receiving an inheritance, or making a large financial decision. These events shift income, expenses, and risk exposure in ways that affect every dimension of the check.

For ongoing visibility, the dashboard aggregates your key figures from all tools in one place. The health check is the annual diagnosis; the dashboard is the daily reminder.