diff --git a/src/households/households.service.ts b/src/households/households.service.ts
index ad219fa..5237992 100644
--- a/src/households/households.service.ts
+++ b/src/households/households.service.ts
@@ -137,7 +137,7 @@ export class HouseholdsService {
 
     const now = new Date();
     const cashflowStart = new Date(now.getFullYear(), now.getMonth() - 5, 1);
-    const [recentRows, cashflowRows] = await Promise.all([
+    const [recentRows, cashflowRows, goalRows] = await Promise.all([
       this.prisma.transactionRaw.findMany({
         where: {
           account: { householdId, isActive: true },
@@ -171,11 +171,35 @@ export class HouseholdsService {
         },
         orderBy: { date: "asc" },
       }),
+      this.prisma.householdGoal.findMany({
+        where: { householdId, status: { in: ["active", "completed"] } },
+        select: {
+          targetAmount: true,
+          currentAmount: true,
+          status: true,
+        },
+      }),
     ]);
 
     const activeTransactions = cashflowRows.filter((row: any) => !row.derived?.isHidden);
     const balanceByOwnership = this.buildOwnershipBreakdown(accounts);
     const cashflow = this.buildCashflow(activeTransactions, cashflowStart, now);
+    const monthlyIncome = cashflow.currentMonth.income;
+    const monthlyExpenses = cashflow.currentMonth.expenses;
+    const monthlyNet = cashflow.currentMonth.net;
+    const totalBalance = this.roundCurrency(accounts.reduce((sum: number, account: any) => sum + this.toNumber(account.currentBalance), 0));
+    const availableBalance = this.roundCurrency(accounts.reduce((sum: number, account: any) => sum + this.toNumber(account.availableBalance), 0));
+    const healthScore = this.buildCouplesHealthScore({
+      memberCount: household.members.length,
+      accounts,
+      activeTransactions,
+      goals: goalRows,
+      totalBalance,
+      availableBalance,
+      monthlyIncome,
+      monthlyExpenses,
+      monthlyNet,
+    });
 
     return {
       household: {
@@ -194,12 +218,13 @@ export class HouseholdsService {
       summary: {
         memberCount: household.members.length,
         accountCount: accounts.length,
-        totalBalance: this.roundCurrency(accounts.reduce((sum: number, account: any) => sum + this.toNumber(account.currentBalance), 0)),
-        availableBalance: this.roundCurrency(accounts.reduce((sum: number, account: any) => sum + this.toNumber(account.availableBalance), 0)),
-        monthlyIncome: cashflow.currentMonth.income,
-        monthlyExpenses: cashflow.currentMonth.expenses,
-        monthlyNet: cashflow.currentMonth.net,
+        totalBalance,
+        availableBalance,
+        monthlyIncome,
+        monthlyExpenses,
+        monthlyNet,
       },
+      healthScore,
       ownershipBreakdown: balanceByOwnership,
       accounts: accounts.map((account: any, index: number) => ({
         displayId: `household_account_${index + 1}`,
@@ -650,6 +675,107 @@ export class HouseholdsService {
     };
   }
 
+  private buildCouplesHealthScore(input: {
+    memberCount: number;
+    accounts: any[];
+    activeTransactions: any[];
+    goals: any[];
+    totalBalance: number;
+    availableBalance: number;
+    monthlyIncome: number;
+    monthlyExpenses: number;
+    monthlyNet: number;
+  }) {
+    const savingsRate = input.monthlyIncome > 0 ? input.monthlyNet / input.monthlyIncome : 0;
+    const cashflowScore = this.clampScore(35 * Math.max(0, Math.min(savingsRate / 0.25, 1)));
+    const bufferMonths = input.monthlyExpenses > 0 ? input.availableBalance / input.monthlyExpenses : input.availableBalance > 0 ? 3 : 0;
+    const balanceScore = this.clampScore(
+      (input.totalBalance > 0 ? 8 : 0) +
+      (input.availableBalance > 0 ? 4 : 0) +
+      (8 * Math.max(0, Math.min(bufferMonths / 3, 1))),
+    );
+    const activeGoals = input.goals.filter((goal) => goal.status !== "archived");
+    const goalProgress = activeGoals.length
+      ? activeGoals.reduce((sum, goal) => {
+        const target = this.toNumber(goal.targetAmount);
+        const current = this.toNumber(goal.currentAmount);
+        return sum + (target > 0 ? Math.min(current / target, 1) : 0);
+      }, 0) / activeGoals.length
+      : 0;
+    const goalScore = this.clampScore(activeGoals.length ? 8 + (goalProgress * 12) : 0);
+    const jointAccountCount = input.accounts.filter((account) => account.ownershipType === "joint").length;
+    const collaborativeTransactionCount = input.activeTransactions.filter((row) => {
+      const attribution = row.derived?.attribution ?? this.defaultAttributionForOwnership(row.account?.ownershipType);
+      const splitMode = row.derived?.splitMode ?? "none";
+      return attribution === "ours" || splitMode !== "none" || row.account?.ownershipType === "joint";
+    }).length;
+    const collaborationScore = this.clampScore(
+      (input.memberCount > 1 ? 5 : 0) +
+      (jointAccountCount > 0 ? 5 : 0) +
+      (collaborativeTransactionCount > 0 ? 5 : 0),
+    );
+    const healthyAccounts = input.accounts.filter((account) => ["idle", "synced", "ok"].includes(account.syncStatus)).length;
+    const syncScore = this.clampScore(input.accounts.length ? (healthyAccounts / input.accounts.length) * 10 : 0);
+    const score = this.clampScore(cashflowScore + balanceScore + goalScore + collaborationScore + syncScore);
+    const recommendations = this.buildHealthRecommendations({
+      savingsRate,
+      bufferMonths,
+      activeGoalCount: activeGoals.length,
+      jointAccountCount,
+      collaborativeTransactionCount,
+      unhealthyAccountCount: input.accounts.length - healthyAccounts,
+    });
+
+    return {
+      score,
+      rating: this.healthRating(score),
+      components: {
+        cashflow: cashflowScore,
+        balanceBuffer: balanceScore,
+        goalProgress: goalScore,
+        collaboration: collaborationScore,
+        syncHealth: syncScore,
+      },
+      metrics: {
+        savingsRate: this.roundCurrency(savingsRate * 100),
+        bufferMonths: this.roundCurrency(bufferMonths),
+        activeGoalCount: activeGoals.length,
+        jointAccountCount,
+        collaborativeTransactionCount,
+      },
+      recommendations,
+    };
+  }
+
+  private buildHealthRecommendations(input: {
+    savingsRate: number;
+    bufferMonths: number;
+    activeGoalCount: number;
+    jointAccountCount: number;
+    collaborativeTransactionCount: number;
+    unhealthyAccountCount: number;
+  }) {
+    const recommendations: string[] = [];
+    if (input.savingsRate < 0.1) recommendations.push("Raise the monthly net savings rate above 10%.");
+    if (input.bufferMonths < 1) recommendations.push("Build at least one month of shared expense buffer.");
+    if (!input.activeGoalCount) recommendations.push("Create one shared goal for the next household milestone.");
+    if (!input.jointAccountCount) recommendations.push("Mark at least one shared account as joint if both partners use it.");
+    if (!input.collaborativeTransactionCount) recommendations.push("Use ours attribution or split rules on shared expenses.");
+    if (input.unhealthyAccountCount > 0) recommendations.push("Reconnect or sync unhealthy shared accounts.");
+    return recommendations.slice(0, 4);
+  }
+
+  private healthRating(score: number) {
+    if (score >= 85) return "excellent";
+    if (score >= 70) return "strong";
+    if (score >= 50) return "building";
+    return "needs_attention";
+  }
+
+  private clampScore(value: number) {
+    return Math.round(Math.max(0, Math.min(value, 100)));
+  }
+
   private serializeGoal(goal: any) {
     const targetAmount = this.toNumber(goal.targetAmount);
     const currentAmount = this.toNumber(goal.currentAmount);
diff --git a/test/households.service.spec.ts b/test/households.service.spec.ts
index cc14703..d1ec622 100644
--- a/test/households.service.spec.ts
+++ b/test/households.service.spec.ts
@@ -159,6 +159,13 @@ describe("HouseholdsService", () => {
           account: { ownershipType: "joint" },
         },
       ]);
+    prisma.householdGoal.findMany.mockResolvedValue([
+      {
+        targetAmount: "10000",
+        currentAmount: "5000",
+        status: "active",
+      },
+    ]);
 
     const result = await service.getDashboard("user_1", "household_1");
 
@@ -171,7 +178,32 @@ describe("HouseholdsService", () => {
     expect(result.recentTransactions[0].category).toBe("Food");
     expect(result.summary.monthlyIncome).toBe(2500);
     expect(result.summary.monthlyExpenses).toBe(42.5);
+    expect(result.healthScore).toEqual(expect.objectContaining({
+      score: expect.any(Number),
+      rating: expect.any(String),
+      components: expect.objectContaining({
+        cashflow: expect.any(Number),
+        balanceBuffer: expect.any(Number),
+        goalProgress: expect.any(Number),
+        collaboration: expect.any(Number),
+        syncHealth: expect.any(Number),
+      }),
+      metrics: expect.objectContaining({
+        activeGoalCount: 1,
+        jointAccountCount: 1,
+        collaborativeTransactionCount: 2,
+      }),
+    }));
+    expect(result.healthScore.score).toBeGreaterThan(70);
     expect(prisma.transactionRaw.findMany).toHaveBeenCalledTimes(2);
+    expect(prisma.householdGoal.findMany).toHaveBeenCalledWith({
+      where: { householdId: "household_1", status: { in: ["active", "completed"] } },
+      select: {
+        targetAmount: true,
+        currentAmount: true,
+        status: true,
+      },
+    });
   });
 
   it("allows owners to update household member roles", async () => {