OBJECTIVELY.
Financial Decision Scorer

Enter your real numbers. Get an honest score on whether this decision makes sense for your situation — no sugarcoating.

01 Income & Assets
↑ What's coming in and building up
$
After taxes, all sources combined
$
What you transfer to savings each month — not your total balance, just the recurring amount (e.g. $200/mo)
$
Checking + savings accounts
$
401k, IRA, brokerage (optional)
02 Monthly Expenses
↓ What's going out every month

Be honest here. Most people undercount by $300–600/month. Fill in what you actually spend, not what sounds reasonable.

🏠
Housing
Rent or mortgage payment
$
$
$
🚗
Transportation
Car payment + insurance + gas
$
$
$
🛒
Food & Groceries
Groceries, coffee runs, takeout
$
📱
Bills & Utilities
Phone, electric, internet, insurance
$
🎮
The "Invisible" Spending
Streaming, apps, subscriptions, DoorDash, Amazon, dining out, impulse buys — the stuff that adds up without you realizing
$
03 Debts & Credit
What you owe
$
Credit cards, personal loans
04 The Decision
VEHICLE DETAILS fills in automatically
What Financing This Actually Means
—
Est. monthly payment
—
Total interest paid
—
Total cost of loan
Your Objective Score
/10
Overall Decision Score
Monthly Left Over
after all expenses
Emergency Fund
Invisible Spending
Purchase Impact
Score Breakdown
The Honest Take
Opportunity Cost — 10 Year Projection
What To Do Instead
Note: Objectively provides educational scoring based on general financial principles. It is not financial advice. Financing estimates use approximate rates based on credit tier and are for illustration only.