Steadyfinancial health

Financial health / July 2026 reading

Am I actually going to be okay?

Steady reads your six accounts once a day and answers the question in one number, then names the exact two things standing between you and a yes. No products to buy, no advisor calls.

Connection
Read only, revoke any time
Reading cadence
Once daily, 6:40am local
Answer format
One score, two fixes
Price
$8 a month, cancel in one tap
Steady / health reading 2026-07-21 06:40 6 accounts synced MRMaya Rowntree, 41

Your steady score

Tuesday 21 July 2026 · up 6 points since January · next reading in 22 hours

Overall reading

Scale 0 to 100
72 OUT OF 100 FRAGILE SECURE STEADY
Band
Steady, 68 to 84
Since Jan
+6.0
Percentile
74th

On track to be okay at 65, with two things to fix

Your income covers your life and the savings habit is real. The gap is thin cash and one high-rate balance quietly costing you $128 a month in interest.

  1. 1 Rebuild the cash buffer 4.1 months of runway today. Reaching 6 removes your single largest risk. +7
  2. 2 Clear the 22.4% card balance $6,840 on the Meridian card. Gone by November 2027 at $520 a month. +5

What moved this month

01 Jul to 21 Jul
Paid down Meridian card+2.1
Emergency fund withdrawal-1.4
Raise to $9,410 a month+1.8
Market returns, net of fees+0.6
Net change+3.1 pts

Steady never sells you a product. Your score is the only thing we optimise, and we show the arithmetic behind every point.

This week from your coach

Mon 20 Jul
“Your grocery spend jumped $260 last month, but you also moved $400 into savings, so the trade was fine. Do not fix this one. Fix the card.”

Steady coach · reviewed by a human planner, CFP 41822

How this reading is built

Method v4.2
Savings rate
30%
Cash runway
25%
Debt load
25%
Retirement track
20%

Weights are fixed for everyone and published in full. We do not adjust them to flatter a score, and we do not score anything we cannot show you the arithmetic for.

Savings rate
14%of $9,410 / mo

Up from 9% a year ago. Target 15%.

Cash runway
4.1months of expenses

Down 1.3 months since March. Fix 1.

Debt load
26%of gross income

Target under 20% · $6,840 at 22.4%

Retirement track
81%of age-41 pace

$412,600 held of a $509,000 pace

Projected score to age 70

With both fixes Nothing changes Middle 80%
100 85 70 55 40 41 48 55 62 70 yrs SCORE 66 RETIRE AT 65 88 AT AGE 70
91%of 10,000 simulations end above 75
$1.28Mmedian balance at age 70
Age 63earliest safe retirement
3.4%assumed real return, net
Accounts feeding your score
Account State Balance
Northcrest CheckingEveryday spending · ****4192 Healthy $4,120
Harbourvale SavingsEmergency fund · 4.30% APY Below target $16,940
Meridian Card22.4% APR · $128 / mo interest Fix 2 -$6,840
Employer 401(k)Target-date 2050 fund · 6% match On pace $318,400
Rollover IRAIndex blend · 0.04% expense On pace $94,200
Auto loan, Alder Credit Union3.9% APR · ends Nov 2028 Leave it -$11,260

Try a change

Unsaved scenario

Drag either control. The dial, the projection, and the age-70 endpoint all recompute from the same model.

$200

Savings rate reaches 16.1%

$0$300$600
62 to 65

3 more earning years, 3 fewer to fund

596570

Together these move you from 72 today to a projected 84 by age 55, and buy back $128 a month of interest you are paying right now.

Score at 70 88

What the readings add up to

128,400

Households know their number

Scored since Steady opened in 2024, across 41 states.

+11

Median points gained in year one

The median score moves from 61 to 72 for members who action both fixes.

$3,180

Saved per member per year

Mostly interest avoided, plus idle cash moved to a real yield.

Get the honest answer in about four minutes.

Connect your accounts read only, get your first reading the next morning at 6:40, and see the two fixes that actually move your number.

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