The Noryo Score: your financial health
A score out of 100 that summarizes your financial health across five dimensions, along with concrete steps to improve it.
The Noryo Score is a rating out of 100 that sums up the health of your finances in a single number. Rather than looking at ten indicators separately, you get a synthetic view that evolves with your habits. This page explains how it is calculated, what each dimension measures and how to make it progress.
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The Noryo Score and its history are included from the Premium plan.
How to read your score
The score ranges from 0 to 100: the higher it is, the healthier and more balanced your situation. There is no absolute good rating, what matters is the trajectory. A score that climbs month after month shows that your habits are improving. It is recalculated every day from your real data, and its history lets you follow this progress over time.
The Noryo Score is a personal reference to help you steer your finances. It does not compare you to anyone and does not constitute financial advice.
The five dimensions of the score
Your overall rating is the combination of five complementary dimensions. Each sheds light on a different aspect of your financial balance.
What each dimension measures
- Reserve
- Your ability to absorb the unexpected, in other words the safety cushion you have relative to your spending.
- Savings rate
- The share of your income that you manage to set aside rather than spend.
- Stability
- The regularity of your flows from one month to the next: predictable money in and out strengthens this dimension.
- Diversification
- The balance of your spending across the different categories, to avoid a single category weighing too heavily.
- Drift control
- Keeping the growth of your spending in check over time, to spot a drift before it sets in.
How to make your score progress
Each dimension can be worked on with simple actions. Here are concrete ideas depending on what you want to strengthen.
| Dimension to strengthen | Concrete action |
|---|---|
| Reserve | Build up or top up a rainy day fund, even with small regular amounts. |
| Savings rate | Set up a savings goal and an automatic transfer at the start of the month. |
| Stability | Smooth out large expenses and anticipate recurring charges. |
| Diversification | Check that no category is eating up your budget, using the spending breakdown. |
| Drift control | Set budgets by category and watch the overspend alerts. |
The score responds to habits kept up over time, not to one off feats. A modest but consistent effort weighs more than a single big gesture.
Why did my score move?
Since it is recalculated every day, the score can vary slightly with your operations. A large exceptional expense can lower it temporarily, a month of strong saving brings it back up. This is normal: look at the trend over several weeks rather than a single day's change.
Frequently asked questions about the score
My score dropped even though I changed nothing, why?
A large or unusual expense in the month can weigh temporarily. The score readjusts over the following days as your activity returns to normal.
What is a good score?
There is no universal threshold. The goal is to see your score progress over time, at your own pace.
Is the score visible to other people?
No. Your score is strictly personal and is not shared with anyone.
If you have just connected your accounts, give Noryo a few days to analyse your history before the score accurately reflects your situation.
Going further
The best lever to improve your score durably is to steer your budgets and set yourself realistic savings goals.
Master your caps by category to strengthen drift control.