Concepts

Financial Health Score

The single number on your dashboard. How we compute it.

Formula

savings_efficiency = (investments + education + health) / total_expense × 100
growth_ratio       = growth_spend / (food + leisure + travel + utilities)

score = (savings_efficiency × 0.6) + (min(growth_ratio, 1) × 40)
score = clamp(score, 0, 100)

Bands

Score	Band	Color
0–15	At risk	red
16–30	Building	amber
31–50	Healthy	green
51+	Elite	gold

Window

30 days, rolling. Recalculated on every dashboard load.

What we deliberately exclude

Net worth
Income
Investment returns

See the blog post for the philosophy.