Financial Health Measurement
Measuring the financial health of the households you serve—including customers, employees, and community members—is a critical step in driving better outcomes for both people and business. From financial institutions refining products to researchers tracking local trends, the Financial Health Network offers innovative measurement tools and research to help you make a meaningful difference in financial health
Why Measure Financial Health?
Narrow metrics, like credit scores, don’t offer a full picture of a household’s finances. Macroeconomic data is often too generic to capture differences across communities and populations. At the Financial Health Network, we use a standardized definition of financial health that centers the household as the core unit of analysis and focuses on three outcomes: whether households can meet current needs, stay on track for future needs, and absorb and recover from financial shocks. More than two-thirds of Americans are not Financially Healthy and are looking to their employers, financial services providers, local leaders, and policymakers for help.
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- By diagnosing and tracking household financial health, organizations can embed consumers’ financial health needs in strategy, connect with the people they serve in ways that center their real financial lives, and ultimately, design and develop products and services that improve financial outcomes while also delivering business benefits.
- As the pioneer of financial health measurement, the Financial Health Network helps financial institutions, employers, nonprofit service providers, researchers, policymakers, regulators, and many others to measure financial health, identify and interpret needs, and assess their efforts against industry benchmarks.
Gain Insights for Research or Advocacy Initiatives
Our FinHealth Score® Toolkit is a survey-based tool available to researchers, advocacy professionals, and companies using the Score for internal purposes. It provides a snapshot of household financial health with a simple-to-use survey that assigns a score on an intuitive 100-point scale. Organizations can also use the Score to track changes in financial health over time. Note: Businesses interested in integrating the FinHealth Score into their technology products, platforms, or commercial services should contact Attune to secure a license.
Compare Against Benchmarks
The Financial Health Pulse® is the only annual, longitudinal, nationally representative financial health survey. Our dataset provides powerful benchmark data and deep insights into the financial health and financial lives of U.S. Americans, allowing you to compare the financial health of the communities you serve against national trends and disaggregated data for an extraordinary range of demographic characteristics and other variables, from employment to health.
Integrate the FinHealth Score Into Your Software or Commercial Services
For businesses looking to integrate the FinHealth Score into their technology products, platforms, or commercial services, Attune is the Financial Health Network’s exclusive technology partner for FinHealth Score implementation. Born and incubated within the Financial Health Network, Attune provides enterprise-grade infrastructure to support scalable measurement across products and platforms. Learn more about working with Attune.
Explore the Next Chapter of Measurement
In 2026, we released an updated FinHealth Score designed to be simpler, more concrete, and more user-friendly for both respondents and organizations. Explore our latest updates to our financial health definitions, indicators, and tools.
See How We Help
Innovation is at the heart of all we do at the Financial Health Network. See the full list of our programs, thought-leadership, and services here.
Join Our Events
We partner with leading firms and institutions all year around to provide thoughtful engagements and events. Register to one of our upcoming events, today.
Dive Into Research
We offer in-depth analysis and consumer perspectives you won’t find elsewhere. See our latest research to help inform and guide your organization in building its financial health strategy.
Become a Member
Our members are engaged in a joint effort to improve customers’ financial health through innovation. Join over 160 like-minded organizations committed to creating the future of financial health.