Question 1

How is a money health score calculated?

Accepted Answer

PesoPilot's Money Health Check scores you 0-100 across 5 equally-weighted pillars worth 20 points each: emergency fund (Foundation), insurance (Protection), savings rate (Cashflow), debt health, and investing (Growth). Your answers add up to a single score and a tier, so you can see at a glance how financially healthy you are.

Question 2

What is a good money health score in the Philippines?

Accepted Answer

The check sorts you into four tiers based on your total: Foundation (0-40), Building (41-60), Healthy (61-80), and Thriving (81-100). The tool frames Healthy as being ahead of most Filipinos on the basics, and Thriving as the wealth-building zone where the focus shifts to protecting and growing what you already have.

Question 3

How many months of emergency fund should a Filipino have?

Accepted Answer

In the Foundation pillar, you only earn full points once you have 6 or more months of expenses in easily-accessible cash (savings plus GCash/Maya). Three to five months already counts as a solid buffer, while less than one month scores thin — the tool treats the emergency fund as your shock absorber before you invest.

Question 4

What should I fix first to improve my finances?

Accepted Answer

The Money Health Check ranks your 5 pillars by the gap between your score and a perfect 20, then hands you the top 3 weakest pillars as your action plan (any pillar already at 85%+ of its points is skipped). In practice that usually means building the emergency fund and basic protection first, before pushing on investments.

Question 5

How much of my salary should I be saving each month?

Accepted Answer

The Cashflow pillar measures the share of your take-home pay that actually goes to savings or investments. Saving 1-10% is where most Pinoys land, 11-20% is a healthy habit, and 31% or more earns the maximum points as a wealth-building pace — the tool nudges you to raise this rate over time.

Question 6

Does SSS and PhilHealth count as financial protection?

Accepted Answer

Yes — in the Protection pillar, active SSS plus PhilHealth is the government baseline and earns points, with more added for HMO, term life, critical-illness, and disability cover. But choosing 'None of the above' zeroes out the whole pillar, since the tool treats protection as the layer that keeps one big illness from erasing your savings.

How healthy is your money?

Common questions