Build a mobile/web app that connects or manually imports accounts, salary, debts, employer benefits, insurance, and goals, then generates a personalized financial health score. The tool benchmarks users against age, income, country, and life-stage norms, calculates emergency fund targets, debt payoff tradeoffs, investment allocation gaps, and produces a ranked action plan with progress tracking.

More young professionals are earning, investing, and taking on major financial commitments earlier, but financial advice remains scattered across forums and country-specific rules. Open banking, account aggregation, and AI-driven planning make personalized, automated financial checkups practical now.