FinHealth Score® Toolkit
Tools

FinHealth Score® Toolkit

Measurement is the first step to improving financial health for all. The FinHealth Score® Toolkit helps financial institutions, employers, nonprofits, and other organizations and researchers easily assess household financial health, providing you with fresh data and actionable insights to guide your strategy. 

Request the Toolkit

Coming Soon

The Next Chapter of Measurement

After extensive research and consumer testing, the Financial Health Network is updating our measurement framework to be even simpler, more concrete, and more user-friendly for respondents and organizations. These changes build upon, rather than replace, our original FinHealth Score framework, and the original Score remains valid. Learn more about the next chapter of measurement, along with additional measurement strategies your organization can start using right away. 

See What's Coming

Step 1:

Survey Guide

Ask customers, employees, or community members the right survey questions that align with the Financial Health Network’s proven framework for financial health measurement.

Survey Guide
Step 2:

Scoring Logic

Quickly calculate one overall FinHealth Score and four Pillar subscores—Spend, Save, Borrow, and Plan—to assess how each respondent is faring across key aspects of financial health. Then use the scores to determine if they’re Financially Healthy, Coping, or Vulnerable.

Methodology-Graphics

Benchmarks
Step 3:

Benchmarks

See how the financial health of your respondents compares with a diverse and nationally representative sample of households from across the U.S. You can compare overall scores or segment them based on age, education, income, and more.

Request the FinHealth Score Toolkit

To start measuring and improving the financial lives of the people you serve, complete the form below.

Research, Advocacy, or Internal Use 
The FinHealth Score Toolkit is available for nonprofit research, advocacy, and internal business purposes. 

Request the Toolkit

  • Name and Email

    Let us know about yourself.

    Organization Type

  • Are you looking for information on the FinHealth Score® or hoping to obtain permission to use the Score?

    Select One:

  • Will the FinHealth Score® be part of a product or service that you or your organization will sell or offer to other businesses?

    Select One:

  • The Financial Health Network allows individual researchers and organizations to use the FinHealth Score® for specific purposes. Which of the following ways do you anticipate using the Score?

    Select All that Apply:

  • Review and sign the license agreement

    The Financial Health Network allows individual researchers and organizations to use the FinHealth Score® for specific purposes, including: 

      • To inform business decisions at your organization
      • To communicate with individuals who are your organization’s current or potential customers
      • To recommend specific products to individuals who are your organization’s customers
      • To help bring in new customers for your organization
      • To better understand the financial health of your organization’s employees
      • To conduct research for public dissemination
      • To evaluate the impact of a program or product your organization provides

    The Financial Health Network does not grant licenses or allow the Score to be used as part of a software program or other service that is sold commercially or is included in a broader software program that is sold commercially. If the Financial Health Network does not approve of the way the Score, the Financial Health Network’s name, or the Financial Health Network’s trademarks are used, implemented, referenced, modified, or communicated (including how the Score or results of the Score are used in conjunction with other products), the Financial Health Network reserves the right to immediately revoke this license.

    You are not permitted to embed the survey into proprietary software code or use a third party to develop proprietary software code that includes the survey. Use of the Score in custom software code is exclusively available through Attune. Book a demo to learn how Attune can help gather the data you need to make a measurable impact on financial health.

    Upon agreeing to the terms of the license agreement, you may develop an online survey using the Score questions and scoring formula via a third-party survey tool, such as SurveyMonkey, Qualtrics, Microsoft Forms, or Google Forms, or a manual survey mode, such as paper, mail, telephone, or in-person. You may add additional questions to the Score survey.

    For questions about permissible and non-permissible uses, please email finhealth@finhealthnetwork.org.

    Review the full license agreement.

    Select:

Software or Commercial Use
If you want to integrate the FinHealth Score into your technology products, platforms, or commercial services (mobile apps, online banking, HR systems, APIs, etc.), please contact Attune. 

Attune is the Financial Health Network’s exclusive technology partner for FinHealth Score implementation. Born and incubated within the Financial Health Network, Attune offers enterprise-grade infrastructure, supports high-quality implementation, and enables scalable measurement.

Not sure which path is right for you? If your use case involves software, automation, APIs, or commercial products, contact Attune to learn more.

Explore All of Our Tools

With tools tested and vetted by leaders across industries, the Financial Health Network helps organizations understand, plan, and advance consumer financial health.

FinHealth Tools

FinHealth Consulting

Go Further With Our Team

Looking to drive financial health but need help strategizing, implementing, measuring, and advancing toward your goals? Reach out to our consulting team for personalized guidance and approaches that work.

Get in Touch

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FAQs

What types of organizations can use the FinHealth Score?

The FinHealth Score is designed to support a wide range of organizations working to advance financial health outcomes, including financial institutions, employers, fintech providers and other innovators, nonprofits, community leaders, policymakers, regulators, and researchers. Organizations can use the Score to conduct consumer, market, and community research; evaluate programs and interventions; baseline and track customer or employee financial health outcomes; and inform strategy, product and service design, and marketing and messaging. 

How did you develop and update the FinHealth Score?

We introduced the first iteration of the FinHealth Score in 2015 to provide a standardized way to measure financial health outcomes. As the field matured, we undertook a multiyear effort to refine the Score and released an update in early 2026. This effort resulted in updates to our definition of financial health and refinements to the survey questions and measurement framework, ensuring the Score remains rigorous, actionable, and relevant for today’s use cases. 

Is the FinHealth Score free to use?

It depends on how you plan to use it. We offer the FinHealth Score Toolkit free of charge for research, advocacy, and internal business purposes. Use of the Score in software and commercial uses requires licensing through Attune, our exclusive technology partner for FinHealth Score implementation. 

Why do I need Attune to use the FinHealth Score in my technology platforms?

Attune was born and incubated within the Financial Health Network to provide enterprise-grade FinHealth Score infrastructure for technology integration and other commercial measurement needs. Our partnership ensures consistent methodology and quality control at scale. 

When do I need Attune to measure financial health?

If your use case involves any of the following, contact Attune for support: 

    • Software integration (mobile, web, or platform) 
    • API or automated scoring 
    • Commercial services or products 
    • Enterprise-scale implementation
What’s the difference between the FinHealth Score Toolkit and Attune?

The Toolkit supports survey-based measurement for research, advocacy, and internal business purposes. It helps organizations assess financial health using a standardized survey and scoring methodology. 

Attune is the Financial Health Network’s exclusive technology partner for FinHealth Score implementation. Organizations that want to integrate the FinHealth Score into software, digital platforms, APIs, or commercial products work with Attune to ensure high-quality implementation. 

Can the Financial Health Network help my business build a customized measurement strategy?

Yes! The Financial Health Network partners with organizations across sectors to design research and measurement approaches to fit your goals. Our team can design, deliver, and conduct an analysis of financial health data of all kinds and provide recommendations and advisory, innovation, or implementation support. To learn how we can support your measurement goals, get in touch here.