Financial Health Insights
Get a composite score across 7 financial metrics.
Get Ready for Insights
Complete these steps to unlock your score
Healthy
Strong financial position
Financial Health Insights
Wambai calculates a composite Financial Health Score from 7 key metrics and maps it to 9 levels — from crisis to financial freedom. Track your progress and get personalized guidance.
- Composite score from 7 weighted financial metrics
- 9 progression levels from In Crisis to Financial Freedom
- Readiness checklist guides your setup step by step
- Data completeness indicator shows score accuracy
- Personalized profile with actionable recommendations
7 Key Financial Metrics
7 Key Financial Metrics
Your Financial Health Score is built from 7 carefully weighted metrics that cover every aspect of your financial life. Each metric scores from 0 to 100, and together they form a composite picture of your financial wellbeing.
- Net Worth Ratio: your wealth relative to your income
- Savings Rate: how much of your income you keep each month
- Emergency Fund: months of expenses covered by liquid savings
- Debt-to-Income: your monthly debt obligations vs. income
- Debt Cost Efficiency: how much you pay in interest relative to debt
- Cash Flow Stability: consistency of your monthly surplus
- Budget Adherence: how well you stick to your spending plans
Healthy
Strong financial position
In Crisis
Vulnerable
Struggling
Getting By
Stable
Progressing
Healthy
Thriving
Financial Freedom
9 Levels to Financial Freedom
Based on your composite score, Wambai maps your financial health to one of 9 levels — from In Crisis to Financial Freedom. Each level comes with a clear description of where you stand and what to focus on next to move up.
- Clear progression from Level 1 (In Crisis) to Level 9 (Financial Freedom)
- Each level includes a description and actionable focus areas
- Track your level changes over time as your habits improve
- Celebrate level-ups with achievements and XP rewards
Focus Areas
Build Emergency Fund
Increase liquid savings to cover 6 months of expenses
High PriorityImprove Budget Adherence
Reduce dining overspend by $50/month
Medium PriorityBoost Savings Rate
Target 30% savings rate (currently 26%)
Low PriorityPersonalized Profile
Beyond the score and level, Wambai generates a personalized financial profile with specific recommendations. Based on your weakest metrics, you get targeted advice on what to improve — whether it's building an emergency fund or increasing savings.
- Personalized recommendations based on your weakest metrics
- Actionable steps to improve each metric individually
- Progress tracking as you implement recommendations
- Profile updates as your financial situation evolves
Ready to Master Your Finances?
Join thousands of households using AI to stay on top of their money.