A snapshot of how your numbers compare to widely-used personal finance benchmarks.
Most users improve their score by 20–35 points in the first 60 days.
Tackle these in order — start with the red signals, then the amber. Each tip links to the page where you can act.
What it means: The share of your take-home pay you keep instead of spend. 20%+ is the gold standard for building wealth steadily.
Recommendation: Aim to keep at least 20% of net income. Trim 1–2 variable categories on the Leaks page, then redirect that money to Savings on the Surplus page.
What it means: How much of your income is locked into rent, bills, insurance and other recurring commitments. Lower means more flexibility.
What it means: How much of your income goes on day-to-day spending you can change week to week (food, fun, shopping).
Recommendation: Day-to-day spending is high. Set realistic targets per line on the Detailed Expenses page and review the top 3 leaks weekly.
What it means: Everything you spend (fixed + variable) as a share of income. Below 80% leaves room to save and invest.
Recommendation: You're spending nearly everything you earn. Cut variable categories first, then attack one fixed cost. Goal: free up 20% of income.
What it means: Monthly debt repayments as a share of income. Keeping this low protects you against rate rises and job changes.
What it means: What's left after every expense each month. This is the money you can actually save, invest or use to pay down debt.
Recommendation: You're spending more than you earn. Find one fixed cost to cancel this week and one variable category to halve — even a small positive surplus changes the trajectory.
What it means: How much you typically overspend versus your own targets each month — small leaks that quietly drain your budget.
Recommendation: Spending consistently exceeds your own targets. Open the Lifestyle Leaks page and either raise the targets to reality or pick the worst offender to cap.
What it means: How many months your current savings could cover your expenses if income stopped. 3 months is a healthy minimum.
Recommendation: Build to 3 months of expenses before investing aggressively. Increase the Savings slider on the Surplus page until this metric clears.
What it means: Your monthly surplus × 12 — the total cash you'd free up across a full year at this pace.
Recommendation: A healthy annual surplus funds goals and resilience. Combine small monthly cuts (£50 here, £30 there) — they compound to thousands per year.
What it means: How much you'd put into investments over a year based on your current allocation. This is what compounds into long-term wealth.
Recommendation: Once your emergency buffer is at 3 months, raise the Investing slider on the Surplus page. Automate a monthly transfer so it happens without willpower.
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| Metric | This month | Last month | Change |
|---|---|---|---|
| Health Score | 25 / 100 | — | |
| Monthly Surplus | -£196 | — | |
| Lifestyle Leak | £421 | — | |
| Savings Rate | -5.4% | — |
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