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, every metric carries a small scope badge that tells you what data feeds it. 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 any of these are under-tracked, the score will be biased. Track all three sides for the most meaningful reading.
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. The radar chart 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 radar chart is 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. Missing wallet or portfolio data biases 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. The radar chart shows where you shine and where to focus.
- Automatic 12-dimension scoring across 3 weighted categories
- Radar chart visualisation of all dimensions at a glance
- 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
Read more
Growth Rate (CAGR) Explained: The One Yearly Number That Summarises Everything
CAGR is the equivalent annual interest rate that would have grown your starting net worth into today's. Learn how Turbobulls calculates it, what good values look like, and the trap of small starting balances.
Momentum Explained: Is Your Wealth-Building Speeding Up or Slowing Down?
Momentum measures whether your wealth velocity is accelerating or decelerating. Learn how Turbobulls calculates it, what good and bad values look like, and the trap of small baselines.
Wealth Velocity Explained: How Fast Is Your Net Worth Really Moving?
Wealth velocity is the average dollars per day your net worth is changing. Learn how Turbobulls calculates it, what good and bad values look like, and how to read it without misleading yourself.