Credit Score vs. Seed Score
Traditional credit scores were built for banks, not for you. Seed Score was built to answer a different question: are you winning financially?
Score Tiers
Your score ranges from 0 to 1000. Where do your habits put you?
0 – 399
Starting
Building the foundation. Focus on creating your first forecast and showing up consistently.
400 – 549
Building
Early habits forming. Keep following through on your plan and linking transactions.
550 – 699
Growing
Steady progress. Your consistency is starting to show real results.
700 – 849
Flourishing
Strong momentum. Smart behaviors are compounding into measurable wealth growth.
850 – 1000
Thriving
Peak financial health. Your habits, planning, and execution are all working together.
The leaf icon in the Seed app changes color in real time to reflect your tier — no numbers needed.
The Four Pillars of Seed Score
Every point in your Seed Score is earned through real financial behavior across four weighted categories.
How well have you covered your monthly financial life? Seed checks whether you've accounted for income, essential expenses, savings, debt, and recurring obligations — not how many items you created.
- Monthly income has been allocated a purpose
- Income sources identified and planned
- Housing, food, transport, debt, and utilities present
- Savings goals and investment contributions planned
- Recurring obligations structured
Are you following through? Seed rewards linking transactions to forecasts, completing planned items, and staying within budget. Past-due items left untouched carry a score penalty.
- Transactions linked to forecast items
- Forecast items completed on time
- Actual spending within planned amounts
- No past-due items left untouched
Do you show up? Weekly app engagement, maintaining a savings streak, and keeping recurring forecasts active all build your consistency score.
- Active at least once per week
- All 4 weeks in a month active (bonus)
- Savings goal streak maintained
- Recurring forecasts kept up to date
Is your life actually improving? Seed tracks month-over-month net worth changes, debt reduction, investment growth, savings accumulation, emergency fund health, and whether your assets outweigh your liabilities.
- Net worth increased month-over-month
- Debt balance trending down
- Investments growing over time
- Cash reserves above a healthy threshold
- Net worth higher than when you joined Seed
- Assets exceed total liabilities (positive balance sheet)
Built on a different philosophy
"Credit scores measure whether you can repay debt. Seed Score measures whether you understand and control your financial life."
Your Seed Score updates daily. Every forecast you create, every transaction you link, every week you show up, and every dollar your net worth grows is reflected in real time. It is a live mirror of your financial habits.
Your Seed Score is completely private.
It is never shared with lenders, credit bureaus, or third parties. It exists solely to help you understand and improve your own financial health. Read our Privacy Policy.
Seed Score does not affect your credit.
No hard inquiries. No reporting to bureaus. Completely separate from your credit file.