Methodology
Nothing here is proprietary and nothing is hidden. The score is four ratios, weighted, and rounded to a number out of 100. If you disagree with a threshold, you can see exactly which one and by how much it would move you.
Your age, your monthly take-home pay, what you set aside each month, and your total monthly loan repayments. That is the entire input. No bank connection, no phone number, no holdings, no name.
Each pillar is capped between 0 and 100, then combined: score = 0.35·keep + 0.25·owe + 0.15·left + 0.25·pace, rounded to the nearest whole number.
When we say "better than X% of people your age", that is drawn from anonymous scores submitted by other visitors in the same age band — a score and an age bracket, nothing else, with no identifier attached. Until a band has at least 200 submissions, we fall back to a modelled benchmark built from published national savings-rate and household-debt ranges, and we label it on screen as modelled rather than observed. We will not dress up a model as real data.
It is not a credit score and no lender sees it. It is not investment advice, and we are not a SEBI-registered investment adviser. It is a mirror built from four numbers and a handful of well-worn thumb rules — useful for noticing where you stand and what to move next, not a substitute for a professional who knows your full situation.