Financial Freedom Score
A composite 0–100 measure of how close you are to financial flexibility. It is not a credit score and is never shared.
Components and weights
| Component | Points | Basis |
|---|---|---|
| Emergency fund coverage | 25 | Months of expenses covered, capped at 6 months. |
| Toxic debt | 20 | Full credit if no high-APR debt; tapers as toxic balance grows. |
| Savings rate | 20 | 25% savings rate scores full credit; linear below that. |
| Net worth ratio | 25 | Net worth as a multiple of annual income; 5x scores full credit. |
| Employer match capture | 10 | Linear from 0 to your employer match cap. |
Source: src/lib/engine/util.ts:freedomScore.
FAQ
- Is the Financial Freedom Score a credit score?
- No. It is an internal 0–100 measure of how close you are to financial flexibility, not a credit risk score. It is never sold or shared.
- Why is my score not higher?
- The score weights five factors: emergency fund coverage, toxic debt, savings rate, net worth ratio to income, and employer match capture. Improving any one of them will raise the score.
- How often does it update?
- It re-runs every time you save your profile and every time the underlying facts change.