Wellth Score
Your personal financial health score — a single number from 0 to 100 that shows where you stand and what to do next.
Overview
The Wellth Score is the heart of the Wellthplan app. It measures your financial health across the areas that matter most — cash flow, debt, and emergency savings — and gives you a clear, actionable path to improve.
Instead of guessing whether you're "doing okay" financially, your Wellth Score gives you a concrete answer and shows you exactly which habits are helping and which ones need attention.
Key ideas
- 0 to 100 scale: The higher your score, the healthier your financial position
- Built from real data: Your score is calculated from your connected accounts, transactions, income, and goals — not self-reported surveys
- Guided actions: Each category shows you specific steps to earn more points
- Updates automatically: Your score recalculates as your financial picture changes
How your score works
Your Wellth Score is built from five categories, each worth a portion of the 100-point total:
| Category | Max points | What it measures |
|---|---|---|
| Cash flow | 30 | Are you spending less than you earn? Are you budgeting and staying under your limits? |
| Bad debt | 25 | How much high-interest debt do you carry? What's your debt-to-income ratio and credit utilization? |
| Emergency fund | 20 | Do you have enough savings to cover unexpected expenses? |
| Protection | 15 | Are your family and assets protected? (Coming soon) |
| Future | 10 | Are you building long-term wealth and planning ahead? (Coming soon) |
Your total score is the sum of points earned across all five categories.
Each category has two components:
- Setup points — earned by completing one-time actions like connecting your accounts, confirming your income, or setting a spending limit
- Behavior points — earned over time by maintaining healthy financial habits like saving consistently, staying under budget, and reducing debt
Score categories
Cash flow (30 points)
Cash flow is the foundation of financial health. This category rewards you for understanding your income and spending, and for building habits that keep you in the green.
Setup actions (up to 10 points):
- Link your bank accounts
- Confirm your monthly income
- Set a spending limit
- Create a budget
Behavior metrics (up to 20 points):
- Savings rate — What percentage of your income are you saving? A 20%+ savings rate earns full points.
- Positive cash flow streak — How many consecutive months have you spent less than you earned?
- On-budget streak — How many months in a row have you stayed within your budget?
- Under spending limit streak — How many months have you stayed under your spending limit?
Spending more than you earn, going over your limit, or exceeding your budget in a given month can reduce your score.
Bad debt (25 points)
This category measures how well you're managing high-interest and non-asset debt — credit cards, personal loans, and similar obligations. Mortgages, student loans, and auto loans are considered "good debt" and don't count against you here.
Setup (5 points):
- Complete the debt onboarding conversation with Finn
Metrics (up to 20 points):
- Debt-to-income ratio — How much of your monthly income goes to debt payments? Under 20% earns full points.
- Credit utilization — What percentage of your available credit are you using? Under 5% is ideal.
- Bad debt eliminated — Have you paid off all high-interest, non-asset debt? Zero bad-debt balance earns full points.
Emergency fund (20 points)
An emergency fund is your financial safety net. This category rewards you for building cash reserves that can cover unexpected expenses without going into debt.
Setup (5 points):
- Complete the emergency fund onboarding conversation with Finn
Behavior (up to 15 points):
- Months of expenses covered — How many months of essential expenses could your savings cover?
- 1+ months: partial credit
- 3+ months: more credit
- 6+ months: full points
Finn uses your connected checking and savings balances and your confirmed monthly necessities to calculate this.
Protection (15 points) — Coming soon
This category will measure whether your family and assets are properly protected through insurance, estate planning, and related safeguards. It's not scored yet, but it's on our roadmap.
Future (10 points) — Coming soon
This category will measure long-term wealth building — retirement contributions, investment growth, and financial planning for the years ahead. It's not scored yet.
Tiers
Your total score places you in one of five tiers:
| Score | Tier | What it means |
|---|---|---|
| 85–100 | Future Secure | You're in excellent financial shape across the board |
| 70–84 | Thriving | Strong habits are paying off — keep it up |
| 50–69 | In Control | You've built a solid foundation with room to grow |
| 25–49 | Finding Footing | You're making progress — focus on the next steps Finn suggests |
| 0–24 | Getting Started | Everyone starts somewhere — connect your accounts and follow the guided actions |
Your tier updates as your score changes. Finn celebrates your progress when you move up.
Improving your score
The Wellth Score isn't just a number — it's a guide. Here's how to use it:
1. Complete the setup actions
The fastest way to boost your score is to finish the basics:
- Connect your bank accounts so Finn can see your full picture
- Confirm your income so cash flow calculations are accurate
- Set a spending limit to give yourself a monthly guardrail
- Create a budget with categories that matter to you
2. Follow the guided onboarding
Each category has a short conversational onboarding with Finn:
- Cash flow onboarding — helps you understand your spending patterns
- Debt onboarding — reviews your debts and creates a plan
- Emergency fund onboarding — assesses your safety net and sets a target
These unlock the behavior tracking for each category.
3. Build streaks
Your behavior points grow over time. Stay under your spending limit, keep spending below income, and maintain your budget — and your score rises month by month.
4. Tap into the details
In the Plan tab, tap any category tile or metric badge to see:
- Why it matters
- Where you currently stand
- What the point tiers look like
- What to do next
The Plan tab
The Plan tab is your home for the Wellth Score in the app. Here's what you'll see:
- Score hero — Your current score out of 100 with a progress bar and tier label
- Metric badges — Quick indicators for key behaviors like savings rate, cash flow streak, utilization, and emergency fund progress. Tap any badge for a detailed breakdown.
- Category tiles — One tile per category showing your progress, points earned, and whether setup is complete. Tiles for Protection and Future are marked Coming Soon.
- Action sheets — Tap a tile to see your checklist: what you've done, what's next, and links to set up budgets, spending limits, or start an onboarding conversation with Finn.
The Plan tab refreshes automatically when you open it, and updates immediately after you complete an onboarding flow or set up a new financial tool.
Your Wellth Score is designed to make financial health feel achievable. Start with the setup, build your habits, and watch your score grow over time.