About & methodology

How the score is built

Your score comes from twelve questions across three pillars. Each pillar is scored 0–100, and the three are averaged into your overall score.

Savings — how well you save toward your goals

Emergency cash (how many months of expenses it could cover)
Share of monthly income set aside
Investing beyond retirement accounts
Retirement contributions

Debt — how well you manage what you owe

Total debt relative to income (excluding a mortgage)
Monthly debt payments as a share of income
Revolving credit-card balance
Other loans — auto, student, personal

Risk — how well you protect what you have

Health insurance coverage
Life insurance on the main income earner
Will and power of attorney
Income protection — disability or long-term cover

The overall score falls into three bands: Building (0–39), Healthy (40–69) and Strong (70–100). Your money personality is a short, heuristic profile drawn from which pillars are strong and which need attention — it's a way to talk about your results, not a diagnosis.

What it isn't. This is an indicative snapshot, not a financial analysis. It's deliberately coarse — rough numbers in, a fair picture out. It should orient you, not audit you.

Privacy

MERIDIAN has no accounts and no server of yours to talk to. The entire checkup runs in your browser.

Nothing you enter is uploaded. Answers are kept only in this tab's memory while you take the checkup.
Saving is your choice. If you save your result, it's written to this device's local storage — the same place a website stores your theme preference. It never leaves.
Retaking clears it. "Retake checkup" removes the stored result from this device.
No tracking. We run no analytics scripts and set no tracking cookies.
Fonts only. The only external request is the typeface, served from Google Fonts. It carries no personal data.

Disclaimer

MERIDIAN is provided for general information and personal interest only. It is not financial, investment, insurance, tax or legal advice, and it does not take your individual circumstances into account. Scores and personality profiles are indicative estimates based on simple, self-reported inputs.

Before making significant financial decisions — buying a home, taking on or restructuring debt, changing insurance or estate arrangements — seek advice from a qualified professional. Nothing on this site creates a professional relationship between you and MERIDIAN.

Contact

Questions, corrections or ideas? Write to hello@meridian.typestry.cyou.