The Financial Health page gives you one score out of 100 for your current month, a letter grade, and a breakdown into six dimensions. It shows where you are strong, where you are weak, and the three changes that would add the most points.
What you'll learn
- How the score and grade are set
- What each of the six dimensions measures and how points are awarded
- Which figures feed the key numbers, and what the suggestions mean
What you see
- Score: the total points out of 100.
- Grade and its label, for example A and Very Good.
- Total balance (all accounts) and Total debt (outstanding).
- Dimension overview: six bars, each with points out of its maximum and a short note.
- Key figures: Monthly income, Monthly expenses, Savings rate and Emergency fund (in months).
- How to Improve: the three dimensions with the most room to grow, and the points each could add.
Grades
| Score | Grade | Label |
|---|---|---|
| 90 and above | A+ | Excellent |
| 80 to 89 | A | Very Good |
| 70 to 79 | B | Good |
| 60 to 69 | C | Fair |
| 50 to 59 | D | Needs Improvement |
| Below 50 | F | At Risk |
The six dimensions
Each dimension is scored from the figures for the current month, using the rules below.
- Budget Adherence (20 points). Compares the month's expenses with the budgeted expenses. At or under the budget earns 20; up to 10% over earns 16; up to 25% over earns 12; more than that earns 5. With no budget set, it scores 15.
- Savings Rate (20 points). The share of income left after expenses: 20% or more earns 20; 15% earns 16; 10% earns 12; 5% earns 8; below that earns 4. With no income recorded it scores 8.
- Emergency Fund (20 points). Your total balance, excluding credit cards, divided by monthly expenses. 6 months or more earns 20; 3 months earns 15; 1 month earns 10; less than 1 month earns 5. With no expense data it scores 5.
- Debt Health (15 points). Your total debt compared with a year of income. No debt earns 15. Below 20% of a year's income earns 12; below 35% earns 8; more than that earns 4.
- Investment Progress (15 points). No investment accounts earns 2. Invested balances above a year's income earn 15; any positive balance earns 10; a zero balance earns 5.
- Spending Discipline (10 points). Compares this month's expenses with last month's: down more than 5% earns 10; within 5% either way earns 7; up less than 15% earns 4; up 15% or more earns 2. With no expenses last month it scores 5.
Savings transfers are not counted as expenses, so moving money into savings helps the Savings Rate.
Key figures
- Monthly income is the income recorded or scheduled for this month.
- Monthly expenses is the spending recorded or scheduled for this month, excluding income.
- Savings rate is (income minus expenses) divided by income.
- Emergency fund is your balance (excluding credit cards) divided by monthly expenses. If there are no expenses yet, the page uses your recurring expenses (excluding income and savings) as the base.
How to Improve
The page lists the three dimensions with the lowest share of their points, and shows +N points possible next to each. Start with the first: it is the one where a change helps most. For example, a debt-health gain comes from paying down balances; see the Debt Calculator.
FAQ
Check the Key figures first. A missing budget, no recorded income, or no expense data each lowers a dimension to a neutral or low value. Entering the missing data usually changes the score.
It divides your balance by this month's expenses. If expenses are low or only a few are recorded, the figure rises. Check that spending is fully entered.
The server keeps the result for up to 10 minutes, so a new entry can take that long to appear in the score.
No. It is a simple, rule-based summary of your own figures to help you see where to focus. It does not replace advice from a qualified professional.