The Flow Score
A single number for the momentum of your financial life.
Not your credit score. Not your net worth. A number that tells you if you're actually moving forward.
Why weekly? Because daily is noise. Monthly is too late. Weekly is the rhythm of real life.
The loop
The feeling of the score rising.
We built the Flow Score because checking a balance never told anyone whether they were winning. The Flow Score does. Take your one move. Watch it climb. Tomorrow, the move resets. The score keeps the memory.
How it's built.
Three pillars. Weighted weekly. One number that reflects the whole of your financial life in motion.
Footprint
40%Spending behavior, budget adherence, recurring obligations. The biggest weight because day-to-day decisions move your score most.
If something is going to change your trajectory this month, it's almost always how you spent.
Balances
30%Net position, direction over time, assets vs. liabilities. Stability matters — but it's not the whole story.
Two people with the same balance can be on completely different paths. Direction beats position.
Dreams
30%Saving behavior and active progress toward goals. Because where you're going matters as much as where you are.
Money pointed at nothing is just money. Money pointed at something is momentum.
Score ranges.
0–39
Needs Attention
Significant gaps. Clear next steps, one at a time.
40–59
Fair
Meaningful room to grow. The score climbs faster from here.
60–79
Good
Solid foundation. Most users live in this range.
80–100
Great
Strong momentum across all three pillars.
The climb
What climbing looks like.
Most users don't jump tiers. They climb 1–3 points a week — and feel it.
What the score is not.
Not your credit score.
Credit will be added as a fourth pillar after launch, but it's not part of the score today.
Not a punishment.
The score reflects pattern and direction, not a single bad month. One overspend doesn't tank you.
Not optimization advice.
The score interprets your data. It doesn't tell you what to invest in or where to put your money.
Not visible to anyone but you.
Ever. The Flow Score is private by design.