What Is a Wellth Score and Why It Matters

Your financial health shouldn't be a mystery. Yet for most people, the question “Am I doing okay financially?” doesn't have a clear answer. That's exactly what the Wellth Score solves.

A Single Number, Built from Real Data

The Wellth Score is a number from 0 to 100 that measures your financial health across five key categories. Unlike credit scores that only look at borrowing behavior, your Wellth Score considers the full picture of financial wellness.

It's calculated from your actual connected accounts, transactions, income, and goals — not self-reported surveys. As your financial picture changes, your score updates automatically.

The Five Categories

Your total score is the sum of points across:

• Cash Flow (30 points) — Are you spending less than you earn? Are you budgeting and staying under your limits?
• Bad Debt (25 points)— How much high-interest debt do you carry? What's your credit utilization?
• Emergency Fund (20 points) — Do you have enough savings to cover unexpected expenses?
• Protection (15 points) — Are your family and assets properly protected?
• Future (10 points) — Are you building long-term wealth?

Two Types of Points

Each category has two components:

1. Setup points — Earned by completing one-time actions like connecting accounts, confirming income, or setting a spending limit.
2. Behavior points — Earned over time by maintaining healthy financial habits like saving consistently, staying under budget, and reducing debt.

Why It Works

The Wellth Score gamifies financial health in the best way. Instead of vague advice like “save more,” you get specific actions that earn points. You can see exactly which habits are helping and which need attention.

Users report that watching their score rise — even by a few points — creates the motivation to maintain good habits month after month. It turns abstract financial goals into concrete, measurable progress.

Getting Started

Your Wellth Score starts calculating the moment you connect your bank accounts in the WellthPlan app. Complete the setup actions, follow Finn's guided onboarding, and build your streaks. Most users see their score improve within the first month.