Scoring Methodology
Your Code Green Score is calculated using six weighted financial health indicators. Nothing is a black box — every formula, benchmark, and assumption is documented on this page.
Score = Σ (category score × weight) ÷ 100. Each category is scored 0–100 using the rules below, then combined into a single 0–100 score. That score maps to a diagnosis:
- Code Green · 80–100 · Low risk
- Code Yellow · 60–79 · Elevated risk
- Code Red · 0–59 · High risk
Six weighted vitals
Cash Flow Health
20% weightWhy it matters
Monthly surplus funds every other goal. Chronic deficits force debt accumulation.
How it's calculated
Surplus ÷ take-home pay. 20%+ scores 100; 0% scores 50; negative surplus scores below 50.
Recommended range
20%+ monthly surplus margin
Emergency Fund Preparedness
15% weightWhy it matters
Protects against unexpected medical bills, job loss, shift reductions, and equipment failures.
How it's calculated
Months of expenses covered. <1 mo Critical, 1–3 mo Poor, 3–6 mo Good, 6+ mo Excellent.
Recommended range
3–6 months of expenses
Debt Management
15% weightWhy it matters
High DTI affects mortgage eligibility, licensing checks, and monthly cash flow.
How it's calculated
100 − (DTI × 60) − (credit-card ÷ take-home × 10). Revolving debt weighted heavier.
Recommended range
DTI < 36% · No revolving balances
Retirement Readiness
20% weightWhy it matters
Healthcare workers often start careers later. Contributions + match capture drive most retirement outcomes.
How it's calculated
Balance vs age-based benchmark (60 pts) + contribution rate vs 15% (30 pts) + match capture (10 pts).
Recommended range
Age-based multiplier × income · 15% contribution rate
Investing Consistency
15% weightWhy it matters
Automated consistent investing — not timing — determines long-term wealth accumulation.
How it's calculated
Composite of contribution rate, employer match participation, monthly investing capacity, and existence of an invested balance.
Recommended range
15%+ payroll rate · consistent automation · diversification
Net Worth Progress
15% weightWhy it matters
Net worth is the single most durable indicator of long-term financial health across a career.
How it's calculated
Ratio of current net worth to (income × age-appropriate multiplier). 1.0 or above = Excellent, ≤0.25 = Critical.
Recommended range
Age × income multiplier (e.g. 3× income by 40)
Financial Age
Financial Age compares your net worth ratio, savings rate, retirement contribution rate, emergency fund strength, debt burden, and investment assets against age-based benchmarks.
Target Net Worth = Annual Income × age multiplier age <30 → 0.5× <40 → 2× <50 → 4× <60 → 7× <67 → 8× 67+ → 10× NW Ratio = Net Worth ÷ Target Net Worth Score Adjustment = (50 − Overall Score) × 0.2 NW Adjustment = (0.75 − min(1.5, NW Ratio)) × 10 Financial Age = max(18, round(Age + Score Adj + NW Adj))
Financial Independence Engine
Based on the 4% Safe Withdrawal Rate (Bengen / Trinity Study).
FI Target = Annual Spending × 25 (4% Safe Withdrawal Rate)
Current Portfolio = Net Worth + Retirement + Non-Retirement Investments
Progress % = Current ÷ Target × 100
Projection = Iterative: balance = balance × (1 + r) + annualSavings
until balance ≥ FI Target
Return assumptions (real, inflation-adjusted):
Conservative = 5%
Moderate = 7% ← default
Aggressive = 9%Complete your Financial Checkup
Twelve quick inputs. A clear diagnosis. A transparent breakdown of every score.
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