Your score is calculated from four key factors that together paint a picture of your overall financial health.
Score Breakdown
Each factor contributes up to 25 points to your total score
Savings Rate
45% saved
What This Measures
The percentage of your income left after expenses. A healthy rate is 20% or higher.
Recommendation
Review your monthly expenses and look for categories where you can cut back. Even small reductions compound over time.
Debt-to-Income
6% DTI
What This Measures
Your monthly debt payments as a percentage of income. Below 36% is considered healthy.
Recommendation
Focus on paying down high-interest debts first. Consider the avalanche or snowball method to accelerate repayment.
Emergency Fund
2.0 months
What This Measures
How many months of expenses your savings can cover. Aim for 3-6 months as a safety net.
Recommendation
Set up automatic monthly transfers to a dedicated savings account to build your emergency fund steadily.
Net Worth
Positive
What This Measures
Your total assets minus liabilities. A positive and growing net worth indicates long-term financial stability.
Recommendation
Track your assets and debts regularly. Increasing assets while reducing liabilities will steadily grow your net worth.
Your Numbers
The key figures behind your score
£4,233.33
£2,346.31
£4,700
£6,800