Are you doing okay? Now You'll Know
One number. Shows if things are going well. No stress, just a friendly check-in on how your money is doing.
Your finances are stable.
Your savings rate improved 8% this month, and your runway extended to 4.2 months. Keep building momentum—you're on a great path.
A number that feels good
No guilt trips. Just a friendly way to see where you stand.
Personalized to you
Your score is calculated from your real spending, savings, and debt—not generic assumptions or credit report data.
Updates automatically
No manual input required. Your score refreshes as your financial data syncs, so you always see current information.
Optional, not overwhelming
Your score is there when you want it, hidden when you don't. We lead with qualitative insights, not numbers.
What goes into it
A few things we look at. All pretty simple stuff.
Cash Flow
high impactWhether your income consistently exceeds your expenses
50/30/20 Balance
high impactHow your spending aligns with the needs/wants/savings rule
Savings Rate
medium impactHow much you save each month compared to your income
Emergency Fund
medium impactHow many months of expenses your savings could cover
Debt-to-Income
high impactHow your debt payments compare to your monthly income
Net Worth Growth
medium impactBuilding wealth through savings and reducing debt over time
Ways it helps
Folks use it in different ways. Here are a few.
Track your progress
Watch your score improve over time as you make positive changes. Celebrate wins like paying down debt, building your emergency fund, or reducing unnecessary spending.
Understand what matters
See exactly which factors are helping or hurting your financial health. Focus your energy on changes that will make the biggest difference to your overall picture.
Stay motivated
A simple number that moves in the right direction. No judgment, no pressure—just a gentle way to see that your efforts are paying off, one month at a time.
People really like it
"I love checking my health score each month. It feels like a progress report that actually celebrates my wins instead of making me feel guilty."
"Finally, a score that doesn't make me anxious. It's there when I want it, hidden when I don't. Perfect balance."
"Seeing my score go from 62 to 78 over six months was the motivation I needed. Small changes really do add up."
Frequently asked questions
How is my health score calculated?
Your score is based on multiple factors including your cash flow, 50/30/20 spending balance, savings rate, emergency fund coverage, debt-to-income ratio, and net worth growth. Higher savings, lower debt, and balanced spending improve your score.
What is a good score?
Scores range from 0-100. Generally, 80+ is strong, 60-79 is good, 40-59 means there is room to grow, and below 40 suggests focusing on fundamentals. But remember: your score is personal. Progress matters more than the number itself.
Will checking my score hurt it?
No! Unlike credit scores, checking your financial health score as often as you like has no negative impact. Your score updates automatically as your financial data changes, and you can review it whenever you want.
Is this feature available on all plans?
Yes! Your financial health score is available on all Warm plans, including Free. We believe everyone deserves to understand their financial wellness. The score appears on your dashboard and the Insights page.
Can I hide my score if it makes me anxious?
Absolutely. Your health score is designed as an optional detail—you can collapse it and focus on qualitative insights instead. We believe in progress over perfection, and your score should motivate you, not stress you out.
How often does my score update?
Your score recalculates automatically whenever your financial data changes—typically daily as new transactions sync. You can track your score over time to see trends and celebrate improvements month over month.
Ready to see how you're doing?
Get your score and feel good about your money. It's a nice feeling.
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