Financial Health Score Explained: The 12-Dimension Composite That Grades Your Money
The One-Sentence Definition
The Financial Health Score is a weighted average of 12 individual scores across three categories (fundamental, performance, advanced), reported as a single 0-100 grade.
Financial Health is calculated automatically in Turbobulls from your wallet and portfolio activity. See your score →
The Three Categories
The 12 dimensions are grouped into three weighted categories:
- Net Worth. Are you above zero? Basic solvency.
- Cashflow. Are you saving more than you spend on average?
- Growth. Is your wealth trending up across periods?
- Debt Ratio. Is your debt manageable relative to assets?
- Liquidity. Months of cash runway (12+ = perfect).
- Returns. Portfolio ROI (20%+ = perfect).
- Savings. Savings rate (50%+ = perfect).
- Stability. Income predictability (CV-based).
- Efficiency. Cost-efficiency of your portfolio.
- Cash Allocation. Closeness to a balanced cash target.
- Momentum. Is your wealth velocity accelerating?
- Skill. Annualised MWR - your investing skill signal.
The weights reflect priority: fundamentals matter most (a bad fundamental score is hard to overcome), then performance, then forward-looking signals.
What the Mixed Badge Means
Inside Turbobulls, the info icon next to a card's title opens a short explanation, with a small scope badge that tells you what data feeds the figure. The Financial Health Score carries the Mixed badge.
That means it blends every scope:
- Net worth scope - net worth, growth trends, momentum.
- Wallet scope - income, expenses, debt, cash flow, stability.
- Portfolio scope - returns, cost efficiency, MWR.
- Mixed scope - cash allocation, debt ratio.
If your workspace mode has one of these sides switched off entirely, the score simply grades what remains - see the next section. Within the sides you do track, completeness still matters: half-entered data gives a half-honest reading.
Workspace Modes: the Score Only Grades What You Track
Workspaces have a usage mode - Everything, Money and budgeting, or Investments (with investments tracked either performance-only or with full broker detail). The Financial Health Score respects that choice: it aggregates only the dimensions your mode can honestly measure, and each category re-averages over the dimensions that remain.
- Net Worth, Growth, Momentum. They read your mode's own net-worth series, so they are meaningful in every mode.
- Money tracking on adds Cashflow, Debt Ratio, Liquidity, Savings, and Stability.
- Investments on adds Returns, Efficiency, and Skill.
- Cash Allocation needs a cash side and investments to weigh it against: it is graded when money tracking and investments are both on, or when investments run with full broker detail (broker cash acts as the "dry powder" side). Money tracking alone, or performance-only investing without a wallet, skips it.
Why this matters: a side you don't track can neither inflate nor drag your grade. Before this, an investments-only workspace would have scored a perfect debt ratio (no debt data), a 999-month cash runway, and a 100% savings rate - flattering, and meaningless. Now those dimensions simply sit out, and the score is computed over the ones backed by real data.
How to Read the Number
| Score | What it typically means |
|---|---|
| 80 - 100 | Excellent. Top 20% financially. Focus on advanced strategies (tax, estate, alternatives). |
| 60 - 80 | Healthy. Above-average across most dimensions. Identify the one or two weak ones to lift. |
| 40 - 60 | Mixed. Some strong areas, some weak. Every check reveals which is which. |
| 20 - 40 | Multiple weaknesses. Likely some combination of low savings, debt drag, or unstable income. |
| 0 - 20 | Critical. At least one fundamental category is failing - emergency-fund-or-debt territory. |
See Your 12-Dimension Financial Health Breakdown
What Drives Score Changes
Some dimensions move slowly (Net Worth, Growth) and only respond to long-term changes. Others move fast (Cashflow, Liquidity) and respond to recent activity.
- Cashflow. One good month of saving lifts it. One bad month drops it.
- Liquidity. A big purchase or new account changes runway immediately.
- Cash Allocation. Any reallocation between cash and investments shifts it.
- Net Worth. Binary check, hard to flip if you're far from zero.
- Growth. Takes months of trending up or down to register.
- Stability. Needs many income periods to compute reliably.
How Turbobulls Calculates the Score
In plain words: Turbobulls computes each of the 12 dimensions on its own 0-100 scale, then averages them within their category, then takes a weighted average across categories.
Fundamental score = sum of 4 binary/scaled checks (0-100)
Performance score = average of 6 scaled metrics (0-100)
Advanced score = average of 2 scaled metrics (0-100)
Total = (Fundamental × 2.0 + Performance × 1.5 + Advanced × 1.0) / 4.5
Fundamental checks (×2.0). Net worth (positive: 25/25), Cashflow (positive trend: 25/25), Growth (recent > older: 25/25), Debt ratio ((1 - ratio) × 25). Sum to 0-100.
Performance metrics (×1.5). Liquidity, Returns, Savings, Stability, Efficiency, Cash Allocation - each scaled to 0-100. Averaged.
Advanced indicators (×1.0). Momentum (50 + momentum/2) and Skill (annualised MWR / 30 × 100). Averaged.
Weighted total. Sum of (category × weight) divided by total weight (4.5).
When the Score Matters - and When to Ignore It
- Diagnostic. Use it to find where you're weakest. The individual checks are the real tool.
- Period comparison. Score climbing over time = real financial improvement.
- Multiple weak areas. A 40 score from 4 weaknesses needs a different plan than a 40 from 1.
- Setting goals. Pick the 2-3 lowest dimensions and improve them deliberately.
- One dimension is artificially distorting. e.g. tiny portfolio = noisy Returns score.
- You're under-tracking within a side you enabled. Modes exclude whole sides honestly, but half-entered accounts inside an enabled side still bias the result.
- You only want one specific signal. Then use that metric directly, not the composite.
- Optimising for the number itself. Treat it as a diagnostic, not a target.
The Full Picture: Investigate the Dimensions
The score is a high-level summary. The real value is in the 12 individual dimensions - each one is a metric in its own right:
See All 12 Dimensions of Your Financial Health
Turbobulls computes your Financial Health Score automatically and breaks it down across 12 dimensions. Every check shows where you shine and where to focus.
- Automatic 12-dimension scoring across 3 weighted categories
- Every dimension scored on its own, weakest first
- Category breakdown (Fundamental, Performance, Advanced)
- Pairs with FI Progress for long-term trajectory
- Multi-currency finances handled natively
- Zero manual calculations - no spreadsheets, no formulas
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