# Financial health score

The **Financial Health Score**  is a unique tool designed to give you an at-a-glance understanding of your financial situation. It's a simplified yet powerful way to track your progress over time and make informed decisions about your money. Here's how it works:

**Timeframe**

Your score is based on your financial activity over the past three months. This rolling timeframe provides a clear reflection of your recent financial habits while smoothing out any short-term fluctuations, helping you focus on trends rather than day-to-day changes.

**Score Updates**

For users of the free version, your Financial Health Score updates automatically once a day, giving you a daily snapshot of your current financial standing. If you're a Pro user, you gain even more control, with the ability to refresh your score on demand—anytime you make significant changes and want to see the impact right away.

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#### Score Breakdown

Your Financial Health Score is composed of four key factors that provide a comprehensive view of your financial well-being:

1. **Income Score**\
   This reflects the total income you generate from all sources, comparing it to your expenses. Even if your income is modest, maintaining a healthy ratio between income and expenses can positively impact your score.
2. **Expenses Score**\
   Based on how your monthly expenses compare to your income, this score rewards good financial management. Lower expenses relative to your income result in a higher score, showcasing your ability to live within your means.
3. **Savings/Carried Over Score**\
   This part of your score considers the amount of money you have left over at the end of each month after covering all your expenses. Consistently increasing this "carried over" amount demonstrates effective budget management and reflects positively in your score.
4. **Debt Score**\
   Your debt score takes into account your total outstanding debt and the interest rates you're paying. Higher amounts of debt, especially those with high-interest rates, will contribute to a lower score. Reducing debt over time will boost this part of your financial health.

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#### What the Score Means

Your **Financial Health Score** serves as a simplified yet insightful representation of your overall financial well-being. It’s not a comprehensive reflection of every financial detail but rather a helpful guide to keep you on track. Regularly checking and improving your score can give you the confidence and clarity to achieve better financial health over time.

Always remember, this score is a tool for growth, helping you identify areas to improve while celebrating your financial successes along the way.

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