The Financial Reality Check

AM I
BROKE?

Stop guessing. Start knowing. Enter your numbers
and get the brutal truth about your financial health
in less than 30 seconds.

TAKE THE TEST
STEP 01

WE GOTTA
ASK

We need the raw numbers. Don't lie to yourself. Input just 5 key facts and we'll tell you straight!

  • 🛡️ Your numbers never leave your device. All calculations run locally in your browser.
  • 🚫 We do not store, sell, or share any data you enter. Ever.
  • ⚡ Instant result. No account, no email, no strings.

Such as student loan or credit card payments

Enter your ZIP code to see how you compare to people in your area. We will not save or sell your Zip code!

WHY IT MATTERS

🏠

The 30/36 Rule

Renters should spend no more than 30% of gross income on rent. Mortgage holders should keep payments under 36%; the extra room accounts for the equity you're building.

⚠️

Debt Trap Danger

If > 43% of your gross income goes to total debt (housing + car + other payments), you're in the danger zone; you'll likely struggle to qualify for future credit.

💵

Cash Flow King

Salary is vanity, free cash flow is sanity. Can you actually afford your monthly life?