Financial Health Score (FHN FinHealth Survey)
30% — unchanged from a year ago; nearly 1 in 3 in 'poor' financial health
What is the current Financial Health Score (FHN FinHealth Survey)?
30% of American households score in the 'financially unhealthy' tier of the Financial Health Network's annual assessment, which measures eight dimensions of financial well-being: spending, saving, borrowing, and planning across both current and future time horizons. Only 31% of households were classified as 'financially healthy' in 2025. Source: Financial Health Network Pulse Survey.
Only 30% of Americans are financially healthy — down from 34% peak
Financial Health Network Pulse survey. 70% classified as Coping or Vulnerable.
Explore Further
How has Financial Health Score (FHN FinHealth Survey) changed over time?
| Period | Value | YoY Change |
|---|---|---|
| 2024 | 30 | +0.00 |
| 2023 | 30 | −1.00 |
| 2022 | 31 | −3.00 |
| 2021 | 34 | +1.00 |
| 2020 | 33 | +4.00 |
| 2019 | 29 | +1.00 |
| 2018 | 28 | — |
Frequently Asked Questions
What share of Americans are financially healthy?
Only 31% of U.S. households were classified as financially healthy in spring 2025, according to the Financial Health Network's annual Pulse survey. This has been essentially unchanged since 2022, when the share dropped from pandemic-era highs.
What does the Financial Health Network measure?
The Financial Health Network scores households across eight dimensions: spending relative to income, bill payment timeliness, sufficient liquid savings, sufficient long-term savings, manageable debt, healthy credit score, appropriate insurance, and financial planning. The composite produces three tiers: healthy, coping, and vulnerable.
Where does financial health data come from?
The Financial Health Network conducts the Financial Health Pulse survey annually, combining probability-based survey data with administrative financial data. It is one of the most comprehensive assessments of American household financial well-being.
Quick poll
Is this affecting you or your household?
Discussion
Get the numbers when they move.
New data drops, indicator updates, and ADI score changes — delivered when it matters. No spam.
or Create an Account for full access
Loading comments…