Your Clarity Score — one number for how you handle money, not how much of it you have.
Spend · Save · Debt · Plan · Invest
No signup. Your answers stay yours.
Five answers make a number.
Answer them ↑Five pillar breakdown. Your archetype.
Where you stand against your peers.
Three member codes to share.
The list moves weekly. Invited members skip it.
The score doesn’t change behind the door. The resolution does.
The problem
BCG calls it the simple-needs segment: earners holding between $100,000 and $3 million whose assets are — in the industry’s own words — “too large to conform to retail offerings and too small to attract the attention that higher net worth tiers draw.”* Advice was priced for people who already have the picture. Everyone else gets a credit score built for lenders and a budgeting app that counts what they spent.
331 million
people in the segment
$59 trillion
of investable wealth, largely unadvised
* BCG, Global Wealth 2021: When Clients Take the Lead (June 2021) — segment definition, size, and the quoted diagnosis. Market context, not a Wellfy number.
The category
| 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 the number answers to | You | Lenders | The app |
| Time to a verdict on your financial health | Three minutes | Never | Weeks |
The premise
Most people who feel behind aren’t. That is a finding, not a reassurance — and most who feel fine are guessing. You did the hard part; the income exists. What’s missing is the picture. 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 solution
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
The archetypes
Why now
2021 — the segment gets a name
BCG’s Global Wealth 2021 names the simple-needs segment — $59 trillion of investable wealth with “the potential to contribute $118 billion to the global wealth revenue pool” — and finds wealth managers underserving it or not serving it at all.
2022 — the delivery answer arrives
That is the title of the next report, not our gloss. Digital wealth platforms command valuation multiples six to seven times those of traditional firms, and — BCG’s words — “many innovations that digital WMs have brought to market will soon become basic client expectations.”
2026 — the economics finally move
This year’s report estimates a 25–30% capacity unlock and 15–20% more revenue per advisor from AI — and closes the argument in five words: “The time for piloting is over.” Every one of those newly served clients starts the same way: with a measure of where they stand.
Wellfy is that starting point: the segment named in 2021, reached the way 2022 demanded, at the economics 2026 finally allows. A deterministic, published scoring engine — not a chatbot — that takes a person three minutes and an institution one sprint.
Sources: BCG, Global Wealth 2021: When Clients Take the Lead (June 2021); Global Wealth 2022: Standing Still Is Not an Option (June 2022); Global Wealth Report 2026: The Great Reordering (May 2026). AI figures are BCG estimates. All of it is market context — none of it is a claim about Wellfy’s results.
Fair questions
No. It’s a measurement. What you do with it is advice, and it’s yours.
Never. Five questions for the quick score, thirty-odd for the full assessment — all self-reported. The score is only as honest as you are — which is the point.
They compute your score on your device. Wellfy’s servers never receive what you typed — if you save or share, the score travels, not the answers.
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.
Every member gets three codes. A score you were let into is one you talk about — the list is the distribution. Join it.
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. Answers never leave the widget — an institution receives the score and the pillar levels, never what a client typed. 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; correlational, comparing its top status band with its lowest. Cited as proof the category works, not as a claim about Wellfy.
The number already exists. The only question is whether you’ve seen it.