Passive Income Coverage
The primary calculation is:
(declared passive monthly income + estimated savings interest) ÷ monthly expenses × 100
Declared passive income comes from Income items with Passive income enabled. Hugo also estimates interest from savings accounts using trailing-12-month balance changes minus deposits. Investment-account gains are excluded because they are typically unrealized and can reverse.
If no declared or estimated passive income exists, Hugo displays a conservative fallback based on a 4% annual withdrawal rate from liquid net worth rather than automatically showing zero.
Investment Discipline Score
This metric uses investment accounts only:
- 60% contribution consistency—the share of the trailing 12 months with positive net activity;
- 40% withdrawal stability—the share of months in which withdrawals stayed below 10% of the prior month’s balance.
With fewer than two months of history, Hugo returns a neutral 50.