Reserves belong to the key pillars of your financial health. As a result, it's one of the most important parts of George FIT. Let's take a look at what George FIT statuses mean, plus some tips on reserves.
Reserves: Details of Your Status
Last Article Update 12.08.2026
What does "financial health" mean?
Financial health is very important - when it's not there, it can be a quick road to money problems. Still, it's not that easy to pin down what it really means. Here's how Erste Bank und Sparkasse define it:
Financial health means you are able to cover your current and ongoing mandatory expenses, feel secure about your financial future and make decisions that allow you to enjoy your life.
This definition, of course, is also the foundation of George FIT.
Find out more information on the topic here.
Of course, many individual factors also come into play. For example, your age, family life... the list could go on and on. George FIT helps you always keep an eye on the key pillars of your financial health and current fitness: Budget, Protection (Insurances), Investments, Pension and of course Reserves.
Why are reserves important?
To be on the safe, "financially healthy" side, it's good to always have reserves that are there for you in case of the unexpected. For example, expensive repairs or job loss.
Your reserves should ideally serve as a safety net that can cover unexpected expenses, as well as your plans for the next 3 to 5 months.
Remember: This is just a guideline that does not account for your personal circumstances or for the fact that you might already have set aside some of your reserves for a specific purpose. Say, a holiday. Think of George FIT assessments and tips as helpful advice that can support you on your personal financial health journey. Your personal advisor is happy to answer further questions you might have.
What does your status mean?
The George FIT Reserves pillar is based on 2 factors:
- Your existing reserves, made up of the balance of your current accounts, savings accounts, building savings and manually added reserves. Find out more here.
- Your average incoming money (Median of the last 6 complete months), which you also see in the George FIT Budget pillar. This is what's used to calculate your recommended reserves, the zone between 3 to 5 times your average incoming money (Important: Not your average spending).
1. You have reserves in the recommended zone (3 to 5 times your average monthly income)
This is the "fit" or "green" status. George tells you "You are on the safe side".
2. Your reserves are below 3 times your monthly average income
This "yellow" status is not perfect, but also no reason for worry. George gives you a friendly tip to "Increase your reserves". You'll see further tips in the details.
3. Your reserves are less than your monthly average income
This "red" status is meant as a heads-up. George will tell you that "Your reserves are not enough".
4. Your reserves are above 5 times your monthly average income
There's obviously no such thing as "too much money". But when your reserves exceed George FIT's recommendation, it might help your long-term financial health to put the extra amount to use elsewhere. The "purple" status points out this potential: You've got very good reserves".
Beyond that, the details offer for more tips. For example, that you can use this extra amount toward things like investments or private pensions.
5. There is not enough data
It can be that George doesn't have enough data to analyse how healthy your reserves are. He will let you know and ask you for more entries.
George FIT does not judge
Please don't see George's analysis and tips as a comment on you. They are only there to help you better understand your financial situation and make the decisions that are right for you.
George FIT guidance on financial health covers all product types generally and is not tied to a specific product (e.g. debit card).
Worth noting, especially when it comes to investments: this is not personal investment advice in the legal sense of the word (Wertpapieraufsichtsgesetz 2018). The information and estimates are general and do not consider personal goals, experience level, financial possibilities, capacity for loss and appetite for risk.
It also does not represent insurance advice in the legal sense (Gewerbeordnung) and / or guidelines for communicating insurance based on prior surveying of stated wishes and needs.