How Seed Score works
Four scored components, five tiers, and a weekly pulse of what is helping and what is holding you back.
Seed Score is your financial health and behaviour score. It exists to guide better habits, not to shame you.
The four components
- Planning. Build your monthly plan with intention. Expense-coverage points reward a broad plan of up to five distinct, meaningful expense categories at 10 points each. There is no required category, and Other or uncategorised items do not count.
- Execution. Create and complete forecast items, pay on time, keep balances healthy. This includes bill coverage: keeping every upcoming recurring bill funded to clear earns points, while a predicted per-account shortfall in the next 14 days costs points until you move the money.
- Consistency. Stay active, match and categorise transactions, build habits. The monthly streak reward counts the strongest of three habits: a savings streak, a debt-paydown streak, or an investing streak.
- Net Worth. Grow net worth and reduce debt. If you are already debt-free, those points are earned by growing invested assets instead.
Tiers
Lowest to highest: Starting, Building, Growing, Thriving, Flourishing.
What is helping and what is holding you back
These two lists are a live weekly pulse, not lifetime stats. Helping shows only the last seven days of wins: forecast items created, transactions linked, receipts verified, items completed, past-due items cleared, net worth growth, debt paid down that week, plus live habit signals such as weeks active in the last month, a savings streak, and all recurring bills funded to clear. A quiet week shows a nudge instead.
Holding you back shows current problems and actionable gaps: bills at risk of declining, past-due items, an emergency fund under three months, income not fully planned, too few distinct expense categories, no investment planned, low activity, liabilities exceeding assets, and net worth drops.
The Before Seed baseline
Your baseline is the score on the day you signed up, measured from that day's net worth snapshot using cash reserves and asset-to-liability ratio only, because no behaviour points existed yet. It can adjust during your first 30 days while accounts are still being linked, then it locks permanently.
Missed items have a grace period
A forecast item only counts as missed 15 days after its due date, because bank transactions post late and need time to be matched. It stops counting once it is more than 90 days past due, so the score reflects recent behaviour rather than old history.
Related articles
Building your first monthly forecast
The Forecast page is where you plan income and expenses for a month, then watch real transactions fill the plan in.
Setting up savings goals
Goals give your saving a target and a timeline, and connect monthly contributions to the thing they are actually for.
Tracking debt and payments
Debt is part of net worth and part of the monthly plan. Link the payment to the debt so paydown shows as progress.
Understanding your net worth on Overview
Net worth is what you own minus what you owe. Here is what feeds it, and how to add the things your bank does not know about.
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