English
Health Score
The health score takes your income and expense structure over a period of time and turns it into a financial health score from 0 to 100, pointing out the areas that need improvement most.
Where to find it
| Platform | Location |
|---|---|
| Web app | Left menu "Insights & Analysis → Health Score" |
| Desktop app | Left navigation "Analysis → Health Score" |
| Android app | Health score entry under "Me" |
Scoring model
The health score has a maximum of 100 points and is calculated as a weighted sum of six dimensions:
| Dimension | Weight | Description |
|---|---|---|
| Savings rate | 30% | (Income − expenses) ÷ income. A higher savings rate scores higher; above 50% you enter the high-score range |
| Surplus | 30% | The absolute amount of income minus expenses, scored by tier |
| Number of income entries | 10% | Diversity of income sources; 3 income entries earn full marks |
| Number of expense entries | 10% | Reasonableness of spending frequency; too many entries (beyond the normal baseline) lose points |
| Number of large expenses | 10% | A single expense at 5% of the period's income or more counts as large, and each one costs 20 points |
| Total of large expenses | 10% | Large expenses as a proportion of income; full marks within 20% |
Scoring basis
The above are the scoring rules of the current version; the backend implementation is the final authority. The score only reflects your income and expense structure and does not constitute any financial advice.
Score grades
| Grade | Score | Meaning |
|---|---|---|
| A | ≥ 80 | Excellent |
| B | ≥ 70 | Good |
| C | ≥ 40 | Fair |
| D | < 40 | Needs improvement |
What the page shows
- Score overview: current score, grade, and overall comment
- Dimension details: the score and raw metrics of each of the six dimensions (savings rate, surplus amount, number of income entries, etc.), which you can drill into item by item
- Score trend: a curve of how the score changes month by month, to see whether improvements work
- Improvement suggestions: targeted suggestions generated automatically from your lowest-scoring dimension — for example, if the savings rate is low, it suggests sorting out fixed expenses with a target savings rate of 50%; when the dimensions are balanced, it suggests keeping it up
How to improve the score
- Keep recording entries — the score is only accurate when the data is complete
- Raise the savings rate: save first, spend later, and set a hard monthly savings target
- Control large expenses: set a "cooling-off period" for large purchases
- Diversify income sources: explore a side business and other income streams
- Check the trend once at the start of each month to verify whether last month's improvements took effect