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The WiseIQ Financial Health Score is a composite score from 0 to 100 based on five factors, each weighted by its impact on long-term financial stability. The methodology is aligned with the Consumer Financial Protection Bureau's Financial Well-Being Scale and academic research on household financial health.
| Factor | Weight | What It Measures |
|---|---|---|
| Credit Score | 25% | Access to credit, borrowing cost, financial track record |
| Debt-to-Income Ratio | 25% | Monthly debt burden relative to income — key lender metric |
| Emergency Fund Coverage | 25% | Months of expenses covered by savings — financial resilience |
| Savings Rate | 15% | Monthly surplus after expenses — ability to build wealth |
| Debt Load | 10% | Total debt relative to annual income — absolute debt burden |
A score of 70 or above is considered good. Scores of 85+ are excellent. Most Americans score between 45 and 65, with the biggest drag coming from high debt-to-income ratios and low emergency fund balances.
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A credit score measures your creditworthiness — how likely you are to repay debt. The Financial Health Score measures your overall financial stability, including savings, income, and debt load. You can have a high credit score but a low financial health score if you carry a lot of debt relative to your income.
Sources: CFPB Financial Well-Being Scale (consumerfinance.gov) · Federal Reserve Survey of Consumer Finances · myFICO (myfico.com) · Last reviewed: April 2026