Broke Score — How Broke Are You Really?
A funny but real 0-100% broke score from your income, spending and savings · free, no signup
Broke Score
Enter your monthly income, monthly spending and total savings, and get a 0-100% Broke Score built from a transparent formula: how much you overspend relative to income, how many months your savings would cover, and your monthly balance.
The result comes with a funny commentary tier — from 'Suspiciously Stable' to 'Certified Broke' — plus a shareable card so you can compare with friends.
Key features
Real formula, funny framing
The score is calculated from your real numbers, just delivered with humor.
Tiered commentary
Five funny labels from stable to broke.
Savings cushion shown
See exactly how many months your savings would last.
Private
Nothing is sent anywhere; it's just math in your browser.
How to use it
- Enter your monthly income.
- Enter your monthly spending.
- Enter your total current savings.
- See your Broke Score and tier instantly.
Worked example
Example
Income $3,200, spending $3,400, savings $150 → a high Broke Score since spending exceeds income and the safety cushion is thin.
Who uses this tool
Anyone budgeting for fun
A lighter way to look at your numbers than a spreadsheet.
Friend groups
Compare scores (carefully) and laugh about it.
Students figuring out money
A quick gut-check on spending vs income.
Tips for the best results
- Use your real take-home numbers for an accurate score.
- Recheck monthly — your score will move as spending or savings change.
- Use the savings-cushion months figure as the most actionable number here.
Common mistakes to avoid
- Entering gross income instead of take-home pay.
- Forgetting one-off savings like an emergency fund when totaling savings.
- Treating this as real financial advice rather than a fun snapshot.
Why use AZRS QuickFix?
It is 100% free, needs no signup and has no watermark or usage limits. The tool runs in your browser, so what you type stays on your device, and it works on phones, tablets and desktops. New tools are added every week — bookmark this page or browse the full QuickFix toolbox.
Frequently asked questions
Is this real financial advice?
No, it's a transparent formula run on your own numbers for fun, not professional financial advice.
How is the score calculated?
40% weight on overspending vs income, 40% on how many months your savings cover your spending, 20% on your monthly deficit — all shown in the note under the result.
Is my financial data stored?
No, everything is calculated locally in your browser and never sent anywhere.
Can the score be 0%?
Yes, if you spend well within your income and have a strong savings cushion.
Why did my score jump?
Small changes in spending relative to income and savings months can move the score meaningfully since it's a blended formula.
Can I share my score?
Yes, using the Share or Save image buttons on the result card.