The Flow Score
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 and monthly is too late. Weekly is the rhythm of real life.
Starting out
Everyone starts at 0.
A new score has nothing to go on yet, so it begins at a base of 82 and moves toward your own figures as Blueprint sees more of them: Footprint over 60 days, Balances over 30, Dreams over 60.
Scores normally run from 74 to 100. Only Footprint can go lower, to 65, when spending runs far beyond your own usual.
How it's built.
Three pillars, each worth a fixed share of the score. The points they contribute add up to the number you see.
Footprint
40%
Balances
30%
Dreams
30%
Footprint · 40% of your score
Moves with pace, surplus and consistency.
- Pace
- this month's spending against your own usual by this day
- Surplus
- money in against money out over the last 30 days
- Consistency
- how steady your earlier Footprint scores have been
Balances · 30% of your score
Moves with your position and its direction.
- Position
- what you own against what you owe
- Trend
- your net worth now against up to three months ago
Dreams · 30% of your score
Moves with months you contribute and progress.
- Contribution
- months with a contribution since your first dream
- Progress
- what you have saved against your dream targets
These weights are Blueprint's design choices, not an industry standard.
The bands.
Four words for where a score sits. None of them is a warning.
Under 80
Building
80–86
Steady
87–93
Strong
94–100
Exceptional
Your score over time
Week by week.
Up to twelve weekly points, with the change this week and the change since the first one. A rise is green. Flat or down stays white.
Screens are illustrative.
What the score is not.
Not your credit score.
Blueprint has no credit score and no credit features. The Flow Score is built only from your balances, your spending and your dreams.
Not a punishment.
The score reflects pattern and direction, not a single month. There is no warning word at the bottom of the scale, and nothing turns red.
Not advice.
The score reads 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.