GWP

Methodology

Understanding your GWP Score

A clear guide to how your General Wealth Performance score is calculated—what goes in, how the three areas combine, and what each of the eight metrics means.

Last updated: May 2026

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Overview

Your GWP score is a snapshot of your financial picture based on the accounts you link and the information you share with us. It is designed to help you—and your advisor—see patterns, progress, and areas to work on together.

Your GWP score is not

  • Investment or tax advice
  • A credit score or lending decision
  • A guarantee of future results

Your GWP score is

  • An educational summary updated from your real (or estimated) financial data
  • Built from eight measurable habits and safeguards we track over time
  • Most useful when your accounts are linked and your profile is up to date

If something looks off, an account may be missing, income in your profile may need updating, or transactions may still be syncing.

Your score at a glance

GWP Score (0–850)

Your overall financial health score on our scale. Higher generally means stronger results across protection, saving habits, and how efficiently your money is working.

Protection, Momentum, Efficiency

Three areas that make up your overall score. Each is scored 0–100, then combined into your GWP Score.

Eight metrics

The specific measures inside those three areas (emergency fund, savings rate, and so on).

Tier (Weak, Stable, Strong, Perfect)

A simple label for where your score falls on the scale.

Confidence (Low, Medium, High)

How complete and verified your data is—not a judgment about you personally.

First-time setup: After you link accounts, your score may show as computing for a few hours (up to about 24 hours) while transactions sync and the first calculation runs.

The three areas of your score

Each area contributes a fixed share of your overall GWP Score.

33% of overall score

Protection

Cash buffer for emergencies, debt load compared to income, and insurance you reported

40% of overall score

Momentum

How much you save, how steadily you invest, and whether you spend less than you earn month after month

27% of overall score

Efficiency

Whether extra cash is put to work in investments and tax-friendly accounts

How the overall number is built

  1. We score each of the eight metrics below on a 0–100 scale.
  2. We combine those into a score for each of the three areas above.
  3. We blend those three area scores (using the percentages in the table).
  4. We map that blend onto the 0–850 scale you see on your dashboard.

Improvements in any area can move your overall score, especially when you cross the thresholds in the metric tables below.

What data we use

Your score is a daily snapshot from information already in your GWP profile—not a live market feed.

  • Linked bank and investment accounts — Balances and transactions, including how spending is categorized.
  • Your profile — Especially annual income, which we use as monthly income unless your linked accounts show consistent payroll or income deposits.
  • Onboarding answers — Life and disability insurance, financial goals, and any estimates you provided when account data is not yet available.

We update your score once per day based on the latest synced data. When new transactions arrive, we refresh recent days and your latest score. If an account is not linked, some parts may be estimated from onboarding—those are marked in the app and usually lower your confidence until real data is available.

Score tiers

A quick way to read your GWP Score on the 0–850 scale.

Weak

0 – 399

Stable

400 – 599

Strong

600 – 749

Perfect

750 – 850

You may also see tier labels for each of the three areas on your dashboard.

Confidence: what it means

Confidence reflects data quality—not your worth or financial potential.

Low

Many metrics still rely on estimates or incomplete history. Linking accounts and letting sync finish will help.

Medium

A mix of linked data and profile information.

High

Most metrics are supported by synced balances and transactions.

A high score with low confidence can still be useful, but it may change once your accounts fully sync.

The eight metrics

For each metric we calculate a real-world number, convert it to a 0–100 score using fixed ranges, then roll those into your three areas and overall GWP Score.

ProtectionMetric 1 of 8

Emergency fund

What we look at: How many months of everyday living costs your cash could cover.

  • Cash counted: checking, savings, and similar liquid accounts.
  • Costs counted: average monthly spending on living expenses over the last 3 months (not including loan payments).
  • If accounts are not linked yet: we may use the emergency fund figure you provided in your profile.
Range
Points (0–100)
Less than 1 month
40
1 to less than 3 months
75
3 to less than 6 months
95
6 months or more
100

45% of your Protection area score

ProtectionMetric 2 of 8

Debt compared to income

What we look at: What share of your monthly income goes to debt payments (loans, credit cards, mortgage payments, and similar).

  • Based on debt-related transactions over the last 3 months and your monthly income.
Range
Points (0–100)
Under 15%
100
15% – 30%
80
31% – 43%
50
Above 43%
10

35% of your Protection area score

ProtectionMetric 3 of 8

Insurance coverage

What we look at: The life and disability insurance information you shared during onboarding (through work, on your own, both, or none).

  • We do not verify policies with insurers—we use your reported coverage to reflect whether protection is in place relative to common planning expectations.
Range
Points (0–100)
Strong life and disability coverage outside work only
100
One strong outside-work policy; one mainly through work
75
One type of coverage (life or disability)
50
Coverage only through work
30
None reported
0

20% of your Protection area score

MomentumMetric 4 of 8

Savings rate

What we look at: On average over the last 3 months, how much of your income remains after spending and debt payments.

  • When your linked accounts show regular income deposits, we use that pattern.
  • Otherwise we may use the savings amount from your profile.
Range
Points (0–100)
Under 5% of income
10
5% to under 10%
40
10% to under 20%
70
20% or higher
100

45% of your Momentum area score

MomentumMetric 5 of 8

Investment consistency

What we look at: How many of the last 12 months included contributions to investments (brokerage transfers, retirement contributions, and similar activity we can detect from your transactions).

Range
Points (0–100)
12 months
100
10 – 11 months
85
8 – 9 months
65
6 – 7 months
45
Fewer than 6 months
20

35% of your Momentum area score

MomentumMetric 6 of 8

Positive cash flow streak

What we look at: How many months in a row (counting backward from the most recent month) you spent less than your monthly income.

Range
Points (0–100)
12 or more months
100
6 – 11 months
88
3 – 5 months
72
2 months
60
1 month
50
0 months
0

20% of your Momentum area score

EfficiencyMetric 7 of 8

Invested asset ratio

What we look at: Of the money available to put to work, how much sits in investment accounts versus extra cash above about three months of expenses.

Range
Points (0–100)
Under 10%
20
10% to under 30%
45
30% to under 60%
70
60% to under 80%
88
80% or higher
100

55% of your Efficiency area score

EfficiencyMetric 8 of 8

Tax-advantaged account use

What we look at: Contributions over the last 12 months to accounts we can identify as tax-advantaged (such as 401(k), IRA, Roth IRA, or HSA), compared to a simplified annual reference amount of $23,000.

  • This is a general planning shortcut, not your personal IRS limit, which depends on your situation and account types.
Range
Points (0–100)
None detected
0
Under 25%
30
25% to under 50%
55
50% to under 75%
75
75% to under 100%
92
100% or more
100

45% of your Efficiency area score

Your goals and on track messaging

If you set a primary financial goal and timeline during onboarding (for example, buying a home or retiring), we may show whether your current score and saving momentum appear on track toward a target score for that goal. That outlook is a planning illustration, not a promise that you will hit a specific number by a specific date. Your advisor can help interpret it in light of your full plan.

Charts and other numbers on your dashboard

Some charts show net worth, cash flow, or risk-related views built from your linked accounts over time. Those charts support your overall picture but may use different formulas than your headline GWP Score. When in doubt, treat the GWP Score and three areas described here as the main summary of our current scoring model.

Practical ways to strengthen your score

Small, steady changes often matter because we use clear thresholds.

Protection

Build cash reserves, lower debt payments relative to income, update insurance answers in your profile

Momentum

Save a higher share of income, invest regularly, keep monthly spending below income

Efficiency

Invest cash above roughly three months of expenses; increase retirement or HSA contributions where it fits your plan

Confidence

Link all relevant accounts and keep your profile income and estimates accurate

Work with your advisor before making major financial moves. The score is a guide, not a substitute for personalized advice.

What to keep in mind

  • Transactions can be miscategorized. A payment might look like a regular expense when it was a transfer or investment, which can temporarily affect ratios.
  • Income may come from your profile if deposits are not clearly visible in linked accounts.
  • Insurance reflects what you reported, not a policy audit.
  • Tax-advantaged scoring uses a simplified cap, not your full tax picture.
  • Scores look backward at synced history; they do not forecast markets or future income.

We may refine how scores are calculated as the product improves. When we make meaningful changes, we will update this page.

If something looks wrong

  1. Confirm every account you care about is linked and syncing.
  2. Check that annual income and other profile details are correct.
  3. Review insurance and financial estimates from onboarding—they may be outdated.
  4. Note the date shown with your score; very new links need time to sync.

If you still have questions, contact your advisor or your firm's GWP support contact.

In summary

Your linked accounts and profile feed eight financial metrics, which combine into Protection, Momentum, and Efficiency—and then into your GWP Score (0–850), with tier, confidence, and daily history.

Your GWP Score is meant to make your financial picture easier to see and easier to discuss—not to label you, rank you against others, or replace professional guidance.