Money health
Start your own householdProvisional
We show a provisional score until there's enough to be honest about. Still needed:
- put at least one entry in every bucket
What makes up your score
- What you save12.4/30
Savings ÷ net income · 8%
Where did this come from?
Worth 30 of 100
RM1,375 ÷ RM16,900 = 8% → 12.4/30
Counts · What your plan routes into Savings buckets, less anything spent back out of them.
Worth knowing · Your allocation plan sets the baseline; money you record paying IN raises this, and money taken back out lowers it. Until 2026-08-23 a deposit could not raise it at all.
Doesn't count · Money-in records on any other bucket don't count here — only on Savings.
What would move it · At your income, each percentage point here is about RM169 a month. You're at 8%.
See the records behind this → - What essentials take25/25
Must-paid ÷ net income · 9%
Where did this come from?
Worth 25 of 100
RM1,584 ÷ RM16,900 = 9% → 25/25
Counts · Spending on your Must-paid buckets over the last 90 days.
Counts · One-off annual bills are spread over 12 months, so road tax in March doesn't read as a catastrophic March.
Doesn't count · Spendings and Personal buckets don't count here.
What would move it · This is already at full marks.
See the records behind this → - Loan repayments20/20
Loan repayments ÷ gross income · 0%
Not enough to judge · This isn't a low score — it's a missing one. There isn't enough here yet for the number to mean anything.
Where did this come from?
Worth 20 of 100
RM0 ÷ RM16,900 = 0% → 20/20
Counts · The monthly repayment you stated on each loan.
Worth knowing · Read from loans you've told us about — not from your records. A loan you haven't added scores as no debt at all.
What would move it · This is already at full marks.
No records feed this — it comes from what you've told us, not from what you've logged.
- Your emergency buffer18.3/20
Liquid savings ÷ monthly must-paid · 6.5 months
Where did this come from?
Worth 20 of 100
RM10,300 ÷ RM1,584 = 650% → 18.3/20
Counts · Goal balances plus assets you marked liquid, against one month of must-paid.
Doesn't count · Property and EPF before 55 are excluded — a buffer you can't reach isn't one.
Worth knowing · Goal progress counts here. Money you record into a goal also raises what you save, so one transfer can move two criteria — they measure different things: what you have, and what you put aside this month.
What would move it · One more month of buffer is about RM1584. You're at 6.5 months.
See your goals → - Your personal-spending cap5/5
Months you stayed inside your own cap · 3 of 3 months
Where did this come from?
Worth 5 of 100
Counts · Whether your Personal buckets stayed inside your own cap, each of the last 3 months.
Worth knowing · This was called “Privacy discipline” until 2026-08-22. It never measured privacy — it measures your own spending cap holding.
What would move it · This is already at full marks.
See the records behind this →
How this is worked out
Five criteria, weighted to 100. Measured over the last 90 days, with one-off bills spread over 12 months. Your band only changes after 7 days at the new level, so it doesn't flip back and forth.
Period covered: last 90 days · 38 records
A score is an opinion expressed as a number. These weights are ours, and they're written down here so you can disagree with them.
Goals
Plain-language, and derived from your weakest component. Tap one to see the kinds of products that address it.
Rolling 90 days. Annual items (road tax, insurance, school fees, Raya) are spread across 12 months, so one big legitimate payment doesn't crater the month.