Financial Health Score is a 0–100 weighted summary of six metrics:
- Emergency Fund Score: 20%
- Debt Score: 20%
- Savings Rate: 20%
- Diversification Score: 15%
- Investment Discipline Score: 15%
- Financial Independence progress: 10%
Missing data
When one input cannot be calculated—for example, no income, expenses, assets, or investment history—Hugo assigns that component a neutral 50 rather than treating missing data as failure.
The note under the score reports how many of the six inputs were based on real data. A score computed from three of six metrics is a partial estimate and should not be interpreted with the same confidence as a complete score.
Labels
The interface describes the resulting score as Excellent, Good, or Weak. Open or expand the supporting metrics to understand why; the headline alone is not a recommendation.
Update income, expenses, liabilities, asset classes, liquidity, and investment flows before relying on a surprising score.