Your Financial Health Score is a single 0-100 rating built from five weighted factors, recalculated the moment you update a balance.
The five factors
- Positive net worth (25 pts) - do you own more than you owe?
- Investment ratio (25 pts) - how much of your wealth is in productive assets versus idle cash.
- Retirement savings (20 pts) - pension contributions against standard UK benchmarks.
- Debt ratio (20 pts) - non-mortgage debt as a share of your total assets.
- Emergency fund (15 pts) - liquid savings against 3-6 months of essential outgoings.
Where to find it
Your score appears on the dashboard as a ring with a 0-100 figure and a status label. Tap into it to see the breakdown by factor.
How to move the needle
The score highlights whichever factor is dragging it down most - usually the fastest way to improve it is fixing that one area rather than trying to improve everything at once. For the full breakdown of each factor, see our blog post Understanding the Financial Health Score.