Understanding the Score and Wealth Trajectory
Read your Noryo Score, its five dimensions, and relate it to the evolution of your wealth over time.
The Noryo Score summarizes the health of your finances with a score out of 100, while the wealth trajectory shows where your wealth could take you. Together, they answer two questions: where am I today, and where am I heading.
The Noryo Score is included from the Premium offer. The wealth trajectory is based on Wealth, an Ultra feature. Check your offer on the Subscription screen of the app.
The Noryo Score in brief
The Noryo Score is a score from 0 to 100 recalculated every day. It is based on five complementary dimensions, each shedding light on a different aspect of your situation. You can track its history to see your progress over time.
The five dimensions of the Noryo Score
- Reserve
- Your safety cushion against the unexpected.
- Savings rate
- The share of your income that you manage to set aside.
- Stability
- The regularity of your money coming in and going out.
- Diversification
- How your wealth is spread across several families.
- Drift control
- Your ability to keep your spending under control over time.
How it is calculated
Our analysis engine observes your recent habits and translates them into a score for each of the five dimensions, then into an overall score. The calculation is updated daily; you don’t need to do anything to trigger it.
- An overall score out of 100, readable at a glance
- The breakdown by dimension, so you know where to act
- A history, to follow how it evolves over time
A good score isn’t necessarily 100 out of 100. What matters is the trend: a score that improves month after month is an excellent sign.
The Wealth Trajectory
The trajectory extends your current net worth using estimated appreciations of your assets. It outlines a possible long-term evolution, useful for assessing an important decision (a purchase, an investment, an early repayment).
Start from the present
Noryo calculates your current net worth.
Apply your assumptions
The estimated appreciation of your assets comes into play.
Draw the trajectory
A possible evolution appears over the long term.
Compare your choices
Change an assumption to see the effect on the trajectory.
The wealth trajectory is based on your assumptions. It is an estimate intended for reflection, not a certain forecast or investment advice.
Linking score and wealth
The two complement each other: the score assesses your current habits, while the trajectory shows their cumulative effect over time. Improving a dimension like your savings rate or diversification also positively influences your wealth trajectory.
| Noryo Score | Wealth trajectory | |
|---|---|---|
| What it measures | The health of your current habits | The possible evolution of your wealth |
| Horizon | The present, recalculated every day | The long term |
| What improves it | Saving, stability, diversification | Assets that appreciate, fewer liabilities |
Frequently asked questions
Why does my score change on its own?
It is recalculated every day from your recent habits. A new expense or some money coming in can move it slightly.
Is a low score worrying?
Not necessarily. Look at the breakdown by dimension to spot where to act, and above all follow the trend over time.
Is the trajectory a guarantee?
No. It is an estimate based on your assumptions, not a certain forecast nor investment advice.
Enter your wealth to give meaning to your trajectory.