Financial Health Score

See Where You Stand Financially

A credit score tells lenders about you. PFOS gives you four scores that tell you about your own money — calculated from your real numbers, not a quiz.

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Four Scores

Four independent views of your financial health

Each score measures a different part of your financial life, so a strong area can never hide a weak one.

Cash Flow

Income vs. expenses — your financial foundation

Protection

Emergency fund, insurance, credit resilience

Growth

Savings rate, retirement, investment activity

Efficiency

Spending leaks, debt optimization, idle cash

Built On Your Data

Real numbers, not a questionnaire

PFOS Financial Analysis: a health score of 75 with surplus, net worth, savings rate, emergency fund, debt-to-income and four diagnostic scores
Real PFOS screens. Example household, not a real member.
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It moves with you
Your scores start from where you are today and rise as you enter more of your data and make real progress — fund the emergency account, add coverage, pay down debt.
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It shows the why
Every score points to what is driving it, so you know which change moves it most.
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It sets your next move
Your weakest area shapes the recommended next move PFOS gives you each time you log in.
Questions

Common questions

Is this the same as a credit score?
No. A credit score measures borrowing history for lenders. PFOS scores measure your own cash flow, protection, growth and efficiency, using the income, expenses, debts, savings and coverage you enter or connect.
How accurate are the scores?
They are only as complete as the data behind them, which is why they improve as you add more. Scores and projections are illustrative, for informational purposes only, and not a guarantee of future results.
Do I need to connect my bank?
No. You can enter your numbers by hand during the free trial. Paid accounts can also connect accounts through Plaid so the numbers stay current.
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