I am sorry to say, if you don't accept Jesus Christ as Savior, you will go to hell, no matter how good you are. Jesus said in John " I am the way, the truth, and the life: no man cometh unto the Father, but by me." When God says "No man" He means it. But He also says in John "that whosoever believeth in him should not perish, but have everlasting life." That's anybody, whether they are really, really good or really, really bad. Look at the thief on the cross, he had no time to make himself really really good, he just believed and Jesus told him in Luke 24:43 "Verily I say unto thee, To day shalt thou be with me in paradise." For some people this is a hard thing to accept. Either they were really bad and cannot accept the loving forgiveness the Father has to offer through Jesus Christ His Son, or they think they are good enough and will gain entry into Heaven on their merits. But, how much money can you give when God owns it all? Or, how good can you be when Jesus says in Mark 10:18 "Why callest thou me good? there is none good but one, that is, God."? You can never be good enough, God new this and sent His Son.
I hope I was helpful.