Your Financial Health Score

A simple 0–100 score + full Money OS Snapshot (OS Index, projections, goals, streak) built only from the numbers you enter. No credit bureau data. No black box. Public demo below — try the sliders and builder instantly.

Check your score in 60 seconds

Enter the naira amounts you already know — we work out the ratios for you and score them with the exact same formulas and weights as the real score (22/18/18/15/12/10/5). Nothing is saved.

Monthly take-home income

₦

Monthly spending (excl. debt repayments)

₦

Monthly debt repayments (bond, car, cards, loans)

₦

Emergency savings you could use today

₦

Do you own more than you owe?

Insurance you have

Car Life / funeral Medical aid Household

Progress to your main savings goal55%

Try a profile:

Estimated score

Good

Budget adherence contributes ~4 pts in this demo (full data gives a precise 0–5 pts).

How the score is calculated

We only score categories where you have entered data. An empty profile scores 0/100, not “bad”.

Factor	Weight	What moves the needle	Nigerian context (approx)	Improve with
Savings rate	22%	Income left after expenses. Aim for 10%+.	Household savings rates in Nigeria are generally low — even a small, steady rate helps.	Budget tracker →
Debt pressure	18%	Monthly debt payments as % of income (lower is better).	Lower is healthier; keeping debt repayments well within your income eases pressure.	Debt planner → / tracker →
Emergency fund	18%	Months of expenses you could cover today.	Building toward three or more months of expenses adds real resilience.	Savings goals →
Net worth	15%	Assets minus liabilities. Positive = full points.	Positive net worth is a major milestone; the trend matters more than the number.	Net worth tracker →
Savings goals progress	12%	Average % complete across your active goals.	Steady progress on your goals is what moves this factor.	Savings goals →
Insurance cover	10%	Number of different types of cover you track.	Life and disability cover are commonly overlooked — check your gaps.	Insurance tracker →
Budget adherence	5%	How closely your actual spending matches your plan.	Sticking close to your plan is hard but powerful over time.	Budget tracker → / insights →

How to improve your score

💰 Increase your savings rate

Cut one big expense category or increase income. This has the biggest single impact.

→ Open budget · See full OS methodology →

🛡️ Build an emergency fund

Target at least 3 months of expenses in a separate savings goal.

→ Set a goal · See full OS methodology →

📉 Reduce debt pressure

Pay more than the minimum on high-interest debt. Use the debt planner.

→ Debt planner · See full OS methodology →

📈 Grow net worth

Track assets (home, investments, pension) and pay down liabilities.

→ Net worth tracker · See full OS methodology →

Important notes

This score is not a credit score. It uses only the information you voluntarily enter.
Only categories with data count. You control your score by adding accurate numbers.
The methodology is public so you can understand and trust it.
Score updates live as you add or edit data in Budget, Debts, Net Worth, Savings Goals, or Insurance.

Financial Health Score — FAQ

What is a financial health score?

A financial health score is a single 0–100 number that summarises how well your money is doing across savings rate, debt, emergency fund, net worth, savings goals and insurance. Rateweb calculates it only from the figures you enter — it is educational, not a formal rating.

Is the Rateweb Financial Health Score a credit score?

No. It is never sourced from a credit bureau. It reflects only the data you add to your dashboard (budget, debts, savings, net worth, insurance), so it shows your overall financial wellbeing rather than your creditworthiness.

How is the score calculated?

Each factor is weighted — savings rate 22, debt pressure 18, emergency fund 18, net worth 15, savings goals 12, insurance 10, budget adherence 5 — and only counts once you enter the data it needs, so an empty dashboard does not read as unhealthy.

Is it free?

Yes. The Financial Health Score and the public Snapshot are free. You can see your score, the factor breakdown and how to improve each one without paying.

How the score works

Your score uses only the figures you enter — you control it. Improve the inputs (build an emergency fund, lift your savings rate, bring down debt) and your score moves with them. The factor weights are transparent and shown in the table above.

The scoring model and its formulas are published openly so you can see exactly how each factor is weighted — nothing is hidden.

Once logged in, your dashboard shows a full Money OS Snapshot (health score, projections, glance and goals), your biggest lever, an interactive what-if simulator, and recommendations tailored to your numbers. The Snapshot combines your Health Score with a glance score derived from net-worth trajectory, savings momentum, credit and recent behaviour — designed to be actionable, not just diagnostic.

Money OS in practice

The Score and Index aren't just numbers — they drive real behaviour. Log wins from using tools, set goals, simulate in what-if. The more you engage, the sharper your recommendations become. Free tools like the invoice generator or statement converter even log small wins toward your OS when used.

Deep dive: the 7 factors and how to move them in Nigeria

The score is deliberately transparent. Here is exactly how each factor is calculated and what realistic moves look like in a Nigerian household in 2026.

Savings rate (22%): (Income − Expenses) / Income, capped at 20%. Aim for 10%+ to start. Cutting one big expense category (e.g. eating out, subscriptions) or adding a side gig often moves this fastest. Steadily reaching 12–15% is a major OS milestone.
Debt pressure (18%): Minimum payments / Income. Below 20–25% is healthy. Paying more than minimum on highest-interest debt (avalanche) or consolidating reduces this quickly. Many under 30s are above 30% — fixing this is often the single biggest OS lever.
Emergency fund (18%): Months of expenses covered. 3+ months is resilient. Start with a high-interest savings account or notice deposit. Most have less than 1 month — building this first protects against the next curveball.
Net worth (15%): Assets − Liabilities. Positive = full points. Track pension, property, investments and all debts. Positive net worth is the milestone that separates "getting by" from "building wealth".
Savings goals (12%): Average % complete across active goals. Consistent progress >40% correlates with better outcomes. Automate transfers on payday.
Insurance (10%): Number of distinct types tracked. Life, disability, household, car, medical — under-insurance is common. Tracking what you have closes gaps fast.
Budget adherence (5%): How closely actual matches planned. <10% variance is powerful. Review monthly with categorised statements from the converter.

These weights and benchmarks are published so you can trust the score. The OS Index then blends this with glance metrics (net worth trend, credit, recent wins) for a 360° view of your financial operating system.

Example Snapshot (logged-in)

Health 68 (Good) · Projected 82 · OS Index 71 · Focus: Emergency fund · Glance: ₦42k saved, ₦85k debt · 3 wins, 🔥 3 day streak

Create account to see yours →

Build your OS step by step

1. Track in budget and savings.

2. Use what-if to plan moves.

3. Log wins from tools.

4. Review Snapshot monthly.

Build your OS + get personalized Action Plan

Set goals, use what-if, log wins with free tools. Logged-in users get full Snapshot with Action Plan (ranked moves from your data) that lifts OS Index, plus OS-aware recs and plan impact previews.

Get your free Action Plan → Create account

Money OS Tools Grid

💰 Budget (22pts) 📉 Debt (18pts) 🎯 Goals (12pts) 📈 Net Worth (15pts)

These tools are designed to move specific factors in your Health Score, directly impacting your OS Index. Use them regularly for best results.

Tools that build your OS

• Invoice/Quote generators: log work → boosts OS Index (+1 per use in demo)
• Budget / Debt / Savings / Net worth: direct impact on health factors + glance
• Dashboard what-if + Snapshot: simulate moves & see projected OS lift before acting
• Action plan + guides: content + tools wired from your weakest factors

Ready to see your real score?
Create a free account and start adding your numbers.

Get started free →