UAE Financial Health Check
Score yourself across 5 money dimensions and get a personalised action plan - built for UAE life, takes 2 minutes.
Free · No account needed · No bank details required
Why It Matters
Know exactly where you stand
A precise score across 5 money dimensions - budgeting, savings, debt, credit cards, and transfers - so you can see what's actually working and what isn't.
Find what's quietly costing you
Uncover the habits and gaps that compound over time. Ranked by impact, so you know where to focus first.
Walk away with real next steps
Personalised recommendations built around your answers - not a generic checklist written for someone else's situation.
Money Luna
This is used for context only and is not scored.
Next steps
Free tool
Enter your balance and we'll instantly show you how much more you could be earning with the top UAE accounts.
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Free download
A free UAE-focused spreadsheet that maps exactly where your money goes and how much you could be putting aside.
Get the template→
Guides
Compare UAE remittance providers and find the cheapest, fastest way to send money home.
Read the guides→
Guides
Cashback, air miles, lounge access - or work out if your card is costing more than it gives back.
Read the guides→
Quick answers about how the calculator works and how to read the results.
Yes, completely free. We don't ask for your bank details, account numbers, or any sensitive financial information - just a few questions about your habits.
No. This is a self-assessment tool. We don't connect to any bank or credit bureau.
Your data is safe and will never be sold or shared with third parties. We run aggregated analytics to understand how people are managing their money - helping us improve the tool and create more useful content.
We score you across 5 dimensions: budgeting, savings, managing debt, credit cards, and money transfers. Your overall score is the average of these five.
Up to 40 means there's significant room to improve. Between 41 and 70, you're doing reasonably well but have clear areas to work on. Above 70 is strong - the personalised recommendations will help you go further.
Yes - just reload the page. There's no account or history tied to you. We'd suggest retaking it every few months to see how things are moving.