FAQ: the Noryo Score

The Noryo Score sums up your financial health in a rating out of 100. Here are the questions we are asked most often about it.

What is the Noryo Score?

It is a rating out of 100 that sums up the health of your finances. It is recalculated every day and its history lets you follow your progress over time. The Score is included from the Premium plan.

How is it calculated?

The Score rests on five dimensions of your financial situation. Our analysis engine combines these dimensions to produce the overall rating.

• Reserve: your safety cushion against the unexpected.
• Savings rate: the share of your income that you set aside.
• Stability: the regularity of your money coming in and going out.
• Diversification: how your resources are spread.
• Drift control: your ability to keep spending from spiralling.

Why did my score change?

The Score is recalculated every day from your recent data. A large one off expense, irregular income or a higher spending month can move it. Look at the trend over several days rather than an isolated change.

How do I improve my score?

• Build up your safety reserve, even little by little.
• Raise your savings rate steadily.
• Smooth out your spending to gain stability.
• Keep an eye on subscriptions and category drift.
• Categorise your transactions well: an accurate score relies on clean data.

Is a low score a problem?

No, it is a starting point. The Score is not a judgement: it is a reference to see where to act first. Many situations improve quickly once you target the right dimension.

Is the Score financial advice?

No. It is an educational indicator to follow your financial health. It does not constitute personalised advice and does not replace the opinion of a professional.

Where can I see it?

The Score is available in the Analytics section, with the breakdown by dimension and its history. To go further, see the dedicated article.

Understand the Noryo Score in detail