What a financial health score actually tells you

A single score can hide as much as it reveals. Used honestly, it's a useful compass: one number that moves when your habits improve.

Spending vs income, savings rate, debt load and buffer months. Everything else is noise or a proxy for one of those four.

Each input is scored 0–100 and weighted. The final number is a weighted average, updated as bank data flows in. No credit bureau involved.

It doesn't replace financial advice, tell you what to invest in, or predict the future. It shows the direction of travel — that's the whole promise.

Watch the trend over months, not days. A rising score means the underlying habits are working. A flat score is the invitation to change one thing at a time.

Is this the same as a credit score? No. A credit score measures borrower risk for lenders; a financial health score measures your day-to-day money habits.

Can the score go down even if I earn more? Yes — if spending grows faster than income, savings rate drops and the score follows.

Does anyone else see my score? No. It stays on your device — nobody at KRONO can see your number.