One score for how you handle money — not how much of it you have.
Spend · Save · Debt · Plan · Invest
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Five pillar breakdown. Peer comparison.
A personal insight from someone who sees
what you can’t. Three member codes to share.
One time. Instant access.
The list moves weekly. Invited members skip it.
There is more here. Whether you want to see it is another matter.
The methodology
This is the production engine. Deterministic, test-covered, nothing simulated.†
† The same engine that scores the full assessment, running in this page. Five pillars, twenty-plus signals, calibrated against CFPB population data. Every weight and every band threshold is published in the methodology.
Wellfy Spend
Measures discipline relative to income — what leaves, what stays, and whether you could say which.
Weighted for your household, not a stranger’s budget.
Spend (pillar, noun) — Discipline relative to income, not to aspiration. Synonyms: the difference between earning well and living well.
Wellfy Save
Measures emergency runway and savings rate — how long the life continues if the income stops.
Weighted heaviest below three months, because that is where the risk lives.
Save (pillar, noun) — The distance between an event and an emergency. Synonyms: runway, sleep.
Wellfy Debt
Measures burden relative to income, and the quality of what the borrowing bought.
Direction counts — shrinking, holding, or quietly compounding against you.
Debt (pillar, noun) — What you owe, weighted by what it bought. Synonyms: leverage, or gravity, depending on use.
Wellfy Plan
Measures planning depth — protection, documents, the questions answered before anyone asks.
Graded on existence first. Most plans fail by never being written.
Plan (pillar, noun) — The future, in writing. Synonyms: the quiet advantage.
Wellfy Invest
Measures portfolio quality and risk alignment — whether the allocation matches the horizon.
Owning index funds is not the same as knowing why you own them.
Invest (pillar, noun) — Money working at the same ambition as its owner. Synonyms: a position, not a collection.
The bands
You did the hard part. The income exists. What’s missing is the picture — and the research is blunt: most people who feel behind aren’t, and most who feel fine are guessing. The score is a mirror, not a grade. It doesn’t want your accounts, your documents, or your resolve. Three minutes of honest answers.
That’s all.
Consumer financial-wellbeing research finds consistent divergence between felt and measured financial health. Peer benchmarks calibrated against CFPB population data. Citations in the methodology.
The category
A credit score measures how safely you borrow. A budgeting app counts what you spent. Neither answers the question you actually have.
| Dimension | Clarity Score | Credit score | Budgeting apps |
|---|---|---|---|
| What it measures | Financial wellness | Creditworthiness | Transactions |
| What it needs | Your answers. None of your accounts. | Your borrowing history | Every account you own |
| Who it serves | You | Lenders | The app |
| Time to a verdict | Three minutes | Never | Weeks |
The archetypes
Fair questions
No. It’s a measurement. What you do with it is advice, and it’s yours.
Never. Twelve answers, self-reported. The score is only as honest as you are — which is the point.
Five pillars, twenty-plus signals, calibrated against CFPB population data, held to a test suite that only grows. The weights are published in the methodology.
Yes. The same engine embeds — white-label, your palette, our math. See Wellfy for institutions.
Because the list is how it grows.
For institutions
Discovery Bank proved the category: clients at the top of its financial-behaviour score are 97% less likely to be in arrears and hold eleven times the deposits.‡ Building that took them a bank. Embedding this takes you a sprint.
White-label, your theme, our engine. The full case — packaging, integration, evidence — is at Wellfy for institutions. Or go straight to the live demo and the methodology.
‡ Category evidence — Discovery Bank / Vitality Money, as reported by the UNSGSA. Cited as proof the category works, not as a claim about Wellfy.