Built on published UK money research
Am I doing OK with money?
Take the free money potential test and get your Money Potential Score - an honest financial health check for UK adults - plus a personalised plan to move it. Two minutes. No signup.
Free score in 2 minutes
Every income, every stage
Honest, not hype
How it works
From a two-minute money test to a real plan
We turn your income, savings, debt and honest self-assessment into a financial health score calibrated to published UK statistics - then show you exactly what to do next.
1
Tell us where you are
Income, savings, debt, pension and habits - 14 quick questions, answered honestly, with no account and no bank connection needed.
2
Get your Money Potential Score
A 0-100 score across the four pillars of financial health, with a plain-English band and an honest read on where you stand.
3
Unlock your momentum plan
A personalised 90-day plan: quick wins in the first 14 days, a debt plan, a safety-net target in pounds, one pension step and growth moves.
The four pillars
Scored the way financial health actually works
We weigh nine research-backed factors, with your savings rate, debt position and emergency fund counting most - because that is what the evidence says keeps households steady.
Safety net
Your emergency fund and savings rate - the buffer between you and a bad month.
Debt position
How much you owe and how expensive it is, with high-cost credit weighted honestly.
Growing
Pension contributions, income growth focus and whether your money is building anything.
Habits
Tracking, goals, spending control and know-how - the behaviours that move every other pillar.
9Research-backed factors, weighted by what the UK evidence says matters
100Point honest scale - calibrated, never inflated
90Day personalised plan built around your weakest pillar
2Minutes to your free score - no signup, no bank connection
The climb
Progress you can watch go up
Score, plan, re-score, repeat. This is how a year with Income Intelligence compounds - honest gains, measured at every step.
Simple pricing
The score is free. The plan is yours for £9.99.
Free Score
£0
- Your Money Potential Score (0-100)
- Your band and what it means, in plain English
- Four-pillar breakdown
- An honest read - never a sales pitch dressed as a result
Most popular
Money Momentum Plan
£9.99 one-off
- Everything in the free score
- Personalised 90-day plan built around YOUR weakest pillar
- Quick wins for your first 14 days
- A debt plan ordered by what your borrowing really costs
- A safety-net target and monthly amount in pounds
- One clear pension step, growth moves, and 30/60/90 milestones
One-off payment. Instant access. Yours forever.
An honest promise
No get-rich promises. Just your real starting point.
Around a quarter of UK adults have less than £100 in savings, and most people have never had an honest, judgement-free read on their money. Income Intelligence is education, not financial advice - it will never sell you an investment, a loan or a miracle. What it does is show you where you really stand and give you the clearest possible next steps.
Nobody teaches this stuff. The plan is for everyone who wants to stop guessing and start measuring.
The Income Intelligence promise
Questions
Everything people ask us
How does the free money potential test work?
You answer 14 quick questions on your income, savings, debt, pension and habits, plus an honest self-rating of how you handle money. Our scoring engine weighs nine research-backed factors, calibrated to published UK statistics, and gives you a Money Potential Score out of 100 with a plain-English band. It takes about two minutes, the score is free, and you never connect a bank account.
Is this financial advice?
No. Income Intelligence is education, not regulated financial advice. Every result carries a clear disclaimer, and we never recommend specific financial products, providers or investments. For advice tailored to your full circumstances, speak to an FCA-authorised adviser. What we give you is an honest, evidence-led snapshot and practical next steps you can act on yourself.
What do I get in the Money Momentum Plan for £9.99?
A personalised 90-day plan built from your own answers: where you stand against UK peers your age, quick wins for your first 14 days, a debt plan ordered by what your borrowing really costs, a safety-net target and monthly amount in pounds, one clear pension step, a habit system, growth moves for your work situation, and 30/60/90-day milestones. One-off payment, instant access, yours to keep.
Is my financial data safe?
Yes. We store only what the score needs: your answers, your score, and an optional first name and email if you choose to give them. We never ask you to connect a bank account, we never see card details (payments are handled by Stripe), we do not sell data or run ad tracking, and you can ask us to delete everything at any time under UK GDPR.
What if I am in debt - should I still take the test?
Yes, and answer honestly - the score never judges, and if debt is heavy your plan starts exactly there. If you are struggling, free and confidential help exists right now: MoneyHelper, the government-backed guidance service, and StepChange, the debt charity. We signpost both on every result where debt is a pressure, before asking you to buy anything.
How does the Progress Tracker work?
The Progress Tracker is £2.99 a month, cancel anytime. It charts your Money Potential Score across unlimited re-scores on one private dashboard, and sends a monthly reminder to re-score so the habit sticks. You sign in with just your email - no password to remember.
Can my Money Potential Score actually improve?
Yes - that is the point. The score measures things you can change: your savings rate, your buffer, your debt costs, your pension contributions and your habits. Most people who follow their plan see movement within one or two 90-day cycles, because the score reflects position and behaviour, not income alone. A modest income with strong habits can outscore a high income with none.
Your move
Ready for an honest answer?
Two minutes. No signup. Your real starting point - and a plan to act on it.
Take the free test