Free DX Score — Takes 2 Minutes
One 2-Minute Diagnosis Could Be Worth $100,000 To Your Retirement.
The Two-Minute Personal Finance Diagnosis
FinanceDX analyzes your 401k, Roth IRA, HSA, and savings — then tells you exactly what to fix and how much it is costing you.
Get My Free DX ScoreNo account linking · No credit card · Takes 2 minutes
$4,200
Avg Missed Employer Match Found
73%
Of Users Have HSA Sitting In Cash
$180k
Lifetime Cost Of Wrong Fund Fees
How FinanceDX Works
Three steps. Two minutes. A Financial Plan Built For You.
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1
Tell Us About Yourself
Income, age, state, and which accounts you have. No linking, no sensitive data.
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2
Get Your DX Score
Our AI scores you 0-100 and ranks every gap by dollar impact.
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3
Follow Your Action Plan
Specific steps to fix each gap — which accounts to open, how much to contribute, and in what order.
What We Typically Find
Most people have at least 3 of these gaps. All of them are fixable.
⚠️
Missing Employer Match
The average person leaves $2,000-$5,000 in free employer match unclaimed every year.
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HSA Sitting in Cash
Most people use their HSA like a checking account. Invested properly it is the most tax-efficient account available.
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Wrong Fund Choices
High expense ratios quietly drain returns. A 1% fee difference costs $30,000 over 20 years.
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No Roth IRA
Millions of eligible people are not using a Roth IRA. That is tax-free growth they will never get back.
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No Emergency Fund
Without a cash cushion, any unexpected expense forces you to raid retirement accounts at enormous cost.
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Wrong Contribution Order
The order you fund accounts determines your lifetime tax bill. Most people get this wrong.
Simple pricing
Start free. Upgrade when you are ready.
Starter
$99
per year
✓ Full Score
✓ All Findings Unlocked
✓ Complete Action Plan
✓ All Calculators
✓ Full Education Library
Most Popular
Pro
$249
per year
✓ Everything in Starter
✓ Couples Mode
✓ Annual Report
✓ Priority Updates
✓ Tax Law Alerts
14-day free trial · No credit card required · Cancel any time
Find Out What You Are Missing
Takes 2 minutes. No account linking. No credit card.
What You Will Need To Get Started
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Gross Annual Income
Before taxes
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401k Employer Match %
Check your benefits portal or ask HR
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Your 401k Contribution %
What percentage of salary you contribute
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Estimated Fund Expense Ratio (Optional)
Found in your 401k portal under fund details
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Which Accounts You Have
401k, Roth IRA, HSA, Traditional IRA
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Emergency Fund Status
Roughly how many months of expenses saved
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High-interest Debt
Credit cards and personal loans
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Monthly Investable Cash
What is left after bills and rent
Do not have all of this? No problem — enter your best estimate and update it later.