Financial Health Intelligence

Financial Fitness,
Not Just Financial Tracking.

Most financial tools show you numbers. Finmagix evaluates your entire financial life — across six dimensions and 21 evidence-based markers — to reveal where you stand and what to do next.

Most tools track money.

Finmagix evaluates your financial life.

See How Financially Fit You Are

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Financial professional reviewing their complete financial picture

Financial Fitness Score Updated Today

78 / 100

Good Score

Income Stability85

Spending Health72

Retirement Readiness61

Risk & Protection79

Debt & Assets83

+12 pts this quarter Retirement readiness improving

6 dimensions tracked Full financial picture

The Finmagix Framework

Your Financial Life Across Six Dimensions.
Most Tools Only See One.

Finmagix evaluates the full structure of your financial life holistically and provides your summaries in voice, PDF and app format — powered by AI and its patent-pending algorithm.

Dimension 01 · 2 markers

Income

Understand your full income statement — including gross earnings, taxes, and savings. We assess whether your income is stable, sufficient, and structured to support your financial goals at your current life stage.

Income Statement Taxes & Savings Stability

Dimension 02 · 2 markers

Spending

We break down your discretionary (wants) vs. non-discretionary (needs) spending, evaluate your housing spend ratio, and assess the status of your rainy day funds — so you understand where your money goes and why it matters.

Discretionary vs. Needs Housing Ratio Rainy Day Fund

Dimension 03 · 6 markers

Debt & Assets

A complete balance sheet view — assets distribution, debt distribution, net worth benchmarked against national averages, debt-to-income ratio, debt-to-asset ratio, and credit card utilization for you and your significant other.

Assets & Debt Distribution Net Worth vs. Average D/I & D/A Ratios Credit Utilization

Dimension 04 · 3 markers

Retirement Planning

See your current retirement projection based on your inputs, get a recommended savings target aligned with industry best practices, and receive the exact adjustment needed to hit your desired retirement goal — modeled for both you and your significant other.

Retirement Projection Savings Target Self & Partner

Dimension 05 · 3 markers

College Savings

Know your current college savings projections versus what's recommended — with models for up to 3 children across public in-state, public out-of-state, and private school scenarios. Get the precise adjustment needed to reach your education savings goal.

Savings Projection Recommended Target 3 School Models

Dimension 06 · 3 markers

Risk & Protection

We evaluate your recommended life insurance coverage, the status of your will, and your disability insurance — including estimated costs to purchase a policy. The protection layer that preserves everything else you've built.

Life Insurance Will Status Disability Coverage

Your Score · 2 markers Synthesized Output

Financial Fitness Score

The composite Financial Fitness Score — a holistic, AI-powered and patent-pending assessment of your entire financial life. Includes a comparison versus your FICO score, plus a detailed breakout of your fitness score for each category so you know exactly where you stand and what to improve.

78/100

Good Score

Across 21 markers · 6 dimensions

Depth of Analysis

Measured Across 21 Evidence-Based
Financial Health Markers.

Finmagix evaluates underlying behaviors and structures — not just transactions. Every marker is grounded in financial research and behavioral economics.

Evidence-based framework

"Like a medical health report, the markers in Finmagix's financial fitness test reveal financial strength, stress points and long-term readiness — before problems become crises."

The Finmagix Assessment Philosophy

21Health markers

6Dimensions

1Unified score

360°Financial view

Each of the 21 markers maps to one of the six financial dimensions. Together they form a complete diagnostic — not a snapshot of one area, but a full health picture of your financial life.

The evidence-based framework covers Income, Spending, Debt & Assets, Retirement, College Savings, and Risk & Protection — everything that shapes your financial health.

Competitive Differentiation

Finmagix Is Not Another Financial App.

A new category of financial health infrastructure. The table below illustrates the substantive difference in approach — not a comparison of features, but of depth.

Capability	Credit Karma	Monarch Money	Acorns	Vanguard / Fidelity	Finmagix
Tracks transactions	✓	✓	Limited	Limited	Not the focus
Shows account balances	✓	✓	✓	✓	✓ Included
Holistic financial diagnosis	✗	✗	✗	✗	✓
Behavioral & structural analysis	✗	✗	✗	✗	✓
Cross-domain financial planning	✗	Limited	✗	Partial	✓ Full
Personalized financial fitness score	✗	✗	✗	✗	✓
Six-dimensional health model	✗	✗	✗	✗	✓
Designed for institutional delivery	✗	✗	✗	✗	✓

Score Intelligence

Your FICO Score Measures Debt.
Your Financial Fitness Score Measures Life.

FICO serves lenders. The Financial Fitness Score serves you — a forward-looking, multi-dimensional view of where you truly stand across six dimensions of financial health.

Side-by-Side Comparison

	FICO Score	Financial Fitness Score Built for You
Purpose	Creditworthiness for lenders	Overall financial wellbeing
Serves	Banks & credit institutions	The individual and their family
Time Orientation	Backward-looking	Forward-looking & present
Measures	Debt repayment behavior	Full financial structure & behavior
Dimensions	One (credit)	Income & Spend, Debt & Assets, Retirement, College Savings, Risk & Protection
Financial Picture	Narrow — excludes savings, retirement, insurance	Complete — every domain of financial health

FICO helps lenders decide. Finmagix helps people decide. Two different tools. Two different purposes. Only one is built for your benefit.

Why This Matters Now

Financial Stress Is One of the Largest Sources of Anxiety in America.

The problem isn't a lack of financial apps. It's a lack of clarity, direction, and structured understanding.

72%

of Americans report feeling financially stressed at least monthly — many despite having access to multiple financial tools.

56%

of households lack a comprehensive view of their financial health, even while tracking spending and monitoring their credit score.

Financial worry consistently ranks as the top source of stress in the U.S., surpassing concerns about work, relationships, and health.

People don't struggle financially because they lack apps. They struggle because no tool has ever given them a clear, honest, evidence-based view of where they stand across their entire financial life — and what to prioritize next.

Finmagix was built to fill this gap. Not as another tracker. Not as another dashboard. But as the financial health infrastructure that individuals, families, and the institutions that serve them have long needed.

Institutional Solutions

Built for Organizations That Care About Financial Wellness.

Finmagix is designed to be delivered through the organizations people already trust — employers, credit unions, community banks, and nonprofits.

Employers

Workforce financial wellness

Reduce productivity-draining financial stress among employees

Differentiate your benefits package with substantive wellness

Improve retention through meaningful engagement

Credit Unions

Deepen member relationships

Deliver member-centric financial health assessments

Identify members who need targeted support or products

Increase member loyalty and long-term engagement

Community Banks

Strengthen community impact

Go beyond transactions with holistic financial guidance

Build trust with community-centered wellness tools

Demonstrate CRA-aligned community investment

Nonprofits

Scale impact on underserved communities

Deliver measurable financial health outcomes at scale

Track real program impact with structured data

Extend reach beyond one-time financial education

Higher savings rates Reduced financial stress Improved retention Measurable wellness outcomes SSO & embedded access ready

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Financial Fitness,Not Just Financial Tracking.

Your Financial Life Across Six Dimensions.Most Tools Only See One.

Measured Across 21 Evidence-BasedFinancial Health Markers.