PeerCompare
Explore financial reference points across seven markets. Read population, period and methodology before comparing your figures with a benchmark.
Put your entered figures beside illustrative age-band and location benchmarks, with the actual amounts and model assumptions visible.
How to use it
- Enter your age, location and financial figures in the benchmark currency.
- Read your actual figures alongside each model reference.
- Use the cash-flow and balance-sheet figures to understand your own commitments. A reference difference is not a target.
- Explore another location to see how the model reference changes while your entered figures stay fixed.
How it is calculated
Age selects an age band in the benchmark grid. Location selects its cost tier and the multiplier applied to income and expense references.
For positive figures and references, the model uses the entered amount divided by its reference; expenses use the inverse ratio. A fixed logistic curve maps the ratio to a whole-number score between 1 and 99. A ratio of 1 maps to 50.
Zero or non-positive ratios use bounded model fallbacks. These are scoring conventions, not observed frequencies.
The overall score is the rounded mean of the six model scores. It is an illustrative benchmark score, not a measured population percentile or a financial-health grade.
Net worth uses entered savings plus investments minus debt. Months of cover use savings divided by expenses. The debt ratio uses total outstanding debt divided by annual income, not monthly repayments.
A worked example
What a model score of 50 means
- Entered monthly income
- 5,000 in the benchmark currency
- Illustrative income reference
- 5,000 in the same currency
- Ratio
- 1
- Income model score
- 50/100
The two positive amounts match. This does not mean that half of people earn more or less; no population distribution is used to make that claim.
Common mistakes
- Treating a model score as a statistical rank or a grade.
- Mixing currencies, personal and household totals, or different reporting periods.
- Treating model references as amounts you should aim to reach.
- Interpreting total debt divided by annual income as monthly repayment affordability.
What it assumes
- The reference grid and scoring curve are illustrative model assumptions, not an observed population distribution.
- No share of people above or below your figures is measured.
- No automatic currency conversion is applied.
- The model cannot assess your needs, dependants, health or the completeness of the figures you entered.
Frequently asked questions
What does the benchmark score mean?
It summarizes six ratios against an illustrative reference grid using a fixed scoring curve. It is not a measured population percentile or a financial-health grade.
Who am I being compared with?
The displayed references are model estimates selected by age band and location. The comparison does not measure how many people have more or less than you.
Should I aim for the reference amount?
No. Your own commitments, goals and available cash determine what is appropriate. Read the entered amounts, cash-flow check and balance-sheet figures before interpreting any reference difference.