Health score
Insights → Health gives you one score out of 100, built from six parts of your finances. The breakdown shows exactly where it comes from.
How the score is made
Section titled “How the score is made”The score looks at your last six completed budget months.
| Part | Points | Full points when |
|---|---|---|
| Savings rate | 20 | you save 20% of your income or more |
| Emergency fund | 20 | your savings cover 6 months of spending |
| Budget adherence | 20 | you stay within your budget |
| Recurring expenses | 15 | fixed costs are 35% of your income or less |
| Debt ratio | 15 | you’re debt-free |
| Income stability | 10 | your income changes less than 5% from month to month |
A part without enough data (no budget yet, or less than three months of income) is left out, and the score is worked out over the parts that do have data.
What the score means
Section titled “What the score means”- Excellent: 90 and up
- Good: 75 and up
- Fair: 50 and up
- Needs attention: below 50
Next best step
Section titled “Next best step”The Next best step card picks the part where you can gain the most points, shows where you stand against its target, and what it takes to get there, with a link to the right place (for example Open budget).
Monthly history
Section titled “Monthly history”Each budget month’s score is kept when the month closes, next to its income, expenses, savings rate and net worth. The month in progress is marked as “so far”. The trend appears from the second month.