Scorecard

How resilient are your finances, really?

Ten questions on your income, your cover, the business, your borrowing and the long term. You get a score out of 100 and a plain description of what it means. It takes about three minutes and we do not ask for your name to see the result.

If your income stopped tomorrow, how long could the household carry on as it is?

Less than a monthOne to three monthsThree to six monthsSix to twelve monthsMore than a year

How much of the household income depends on you personally still working?

All of itMost of itAbout halfLess than halfVery little

Is there income protection in place, so something keeps paying if you cannot work?

NoI am not sureYes, but it has never been reviewedYes, reviewed in the last two years

If the worst happened, is there cover that would clear the mortgage and keep the household going?

NoI am not sureSome, but probably not enoughYes, and checked recently

If you were out of the business for six months, what would happen to its income?

It would stopIt would fall sharplyIt would fall noticeablyIt would hold up for a whileIt would carry on without me

Is there cover in place for the business itself, such as key person or shareholder protection?

NoI am not sureSome of itYes, and it is current

When did you last properly review your mortgage rate against the market?

Never, or I cannot rememberMore than three years agoTwo to three years agoIn the last two yearsIn the last year

If the mortgage payment rose by a fifth, how would the household feel it?

We could not manage itIt would hurtManageable, with changesComfortableBarely noticed

Is money going into a pension or long term savings regularly?

NoOccasionally, when there is spareYes, but a small amountYes, a meaningful amountYes, and measured against a target

Are the basics in place: a will, a lasting power of attorney, and nominations on your pensions?

None of themOne of themTwo of themAll three, and current

Your score

Answer the questions to see your score

Talk it through with us

This is a general indication based on the answers you gave. It is not personal advice and it is not a recommendation. Nothing here takes account of your full circumstances.