Freedom Score
Answer five quick questions to discover which Gate of Greatness you're on and what milestone comes next.
The Gates of Greatness are six milestones that guide your journey from surviving to thriving. Answer honestly to find your current Gate.
Do you have at least £500 saved?
Your first £500 is your breathing room — a small win with big impact.
Do you have any non-mortgage debt?
Credit cards, personal loans, car loans, or student loans (not including mortgage).
Do you have 3-6 months of expenses saved?
A fully funded emergency fund covering essential expenses.
Do you invest 15% of your household income?
Regular contributions to retirement accounts, pensions, or investment accounts.
Do you save for your children's future?
Education savings accounts, junior ISAs, or similar funds (or N/A if no children).
Ready to take action?
Turn insights into a real financial plan
Frugate gives you budgeting, goal tracking, and insights in one place — designed to keep you on track month after month.