Who is this financial stress score for?
Anyone comparing options in the US who wants both the math and the mindset risk called out clearly.
Behavioral lens: Availability heuristic
Financial Stress Score
Clear US math plus a behavioral lens on availability heuristic so the estimate matches real life.
Educational estimates only. Not personalized advice. Data targets 2026 behavioral finance rules.
Stress inputs
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Your score
Financial stress score71 / 100
Bandhigh
• Emergency fund under 3 months
• Debt-to-income above 25%
Behavioral lens: Availability heuristic
Watch for availability heuristic
Your brain prefers a simple story. Availability heuristic can hide the second number that actually changes the decision.
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How to use this calculator
- Step 1
Enter your numbers using realistic current inputs.
- Step 2
Review the highlighted result beside total cost or trade-off metrics.
- Step 3
Read the behavioral insight and pick one action you will actually keep.
The psychology behind Financial Stress Score
Financial Stress Score is designed to interrupt availability heuristic before it becomes an expensive default. Most people do not fail at arithmetic — they fail at noticing which number their brain treats as the whole story.
Behavioral research shows that attention is scarce. When a monthly payment, refund, or social comparison pops first, other facts (total interest, match left on the table, purchasing power, runway) fade into the background. This tool puts the neglected number beside the tempting one so trade-offs are visible.
Use the output as decision hygiene. Re-run when income, rates, or goals change. Pair the estimate with a concrete next action: automate a transfer, adjust withholding, claim an employer match, or schedule a 15-minute money check-in. Insight without a habit decays quickly.
These estimates are educational. Rules, markets, and tax brackets change. Confirm details with authoritative sources linked below and with qualified professionals before you sign, contribute, or claim benefits. PsyFi exists to turn a clear moment into lasting behavior change — not to replace personalized advice.
If the result surprises you, that is useful data about availability heuristic. Surprise is often where better plans start: rename the goal, shrink the time horizon, or add a commitment device so present-you and future-you stop negotiating from opposite sides of the table.
Authoritative sources
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FAQ
How accurate is this financial stress score?
It uses simplified 2026 educational assumptions. It is not tax software or a substitute for SSA/IRS calculators for filing or claiming.
Is this PsyFi calculator free?
Yes. Every PsyFi free tool runs in your browser with no signup. We pair clear math with behavioral science so you can decide without creating an account.
Does PsyFi store what I type?
No. Inputs stay on your device. Nothing you enter is sent to PsyFi servers.
Is this personalized financial advice?
No. These are educational estimates for 2026. Confirm current rules with the IRS, SSA, CFPB, or a qualified professional before acting.
Estimates for education only. Not financial, tax, mortgage, immigration, or legal advice. Tax rules and rates change. Verify current figures with qualified professionals before making decisions. PsyFi tools add behavioral context; they do not replace personalized planning.