HOW THE SCORING WORKS
What does each grade mean?
Your grade is calculated based on your debt-to-income ratio, savings buffer, and financial stress.
S
Excellent
Debt commitments are very low or zero. Strong savings buffer. Your finances are in great shape.
A
Healthy
Manageable debt level with decent savings. Minor adjustments could free up even more cashflow.
B
Good
In good shape overall, but there's room to optimise. Restructuring one or two commitments could make a real difference.
C
Needs Attention
Repayments are taking a large share of your income. You're not in crisis, but action now prevents bigger problems later.
D
Under Pressure
Debt load is heavy relative to income. This is very fixable — but the sooner you get a plan, the faster things improve.