Your score reflects financial discipline and smart decisions, not just the size of your portfolio.
We measure percentages and ratios, so a $1,000 emergency fund can score as high as $10,000 if it's appropriate for your income.
Investment allocation expectations adjust for your age that determines your investment horizon, following proven financial planning principles.
Whether you earn in dollars, euros, or yen, our scoring system works fairly across all currencies and income levels.
Your Compoundly Score ranges from 0 to 1000 points, divided into eight Ranks:
What it measures: Months of expenses you can cover with liquid savings
Your emergency fund protects you from unexpected expenses like medical bills, job loss, or major repairs. We measure this as months of expenses you can cover, not absolute amounts.
What it measures: Percentage of income you save and invest each month
Your savings rate shows your financial discipline and wealth-building potential. We focus on percentages, so someone saving 20% of $30k scores the same as someone saving 20% of $100k.
What it measures: Age-appropriate mix of stocks, cash, bonds, cryptocurrency and other assets in your portfolio
Investment allocation should match your age and risk tolerance. Younger investors can handle more stock volatility for higher long-term returns, while older investors typically need more stability.
What it measures: How well your investments are spread across different asset classes
Diversification reduces risk by spreading investments across stocks, bonds, real estate, and other assets. This protects you when any single investment category performs poorly.
Income: $45,000/year
Emergency Fund: $15,000 (4 months expenses)
Savings Rate: 22% of income
Investment Mix: 75% stocks, 25% bonds (age-appropriate)
Despite a modest income, Sarah's excellent savings habits and appropriate investment allocation earn her a high score.
Income: $95,000/year
Emergency Fund: $28,500 (4.5 months expenses)
Savings Rate: 25% of income
Investment Mix: 65% stocks, 35% bonds (age-appropriate)
Exceptional financial discipline with high savings rate and solid emergency fund. Perfect balance of growth and security for his age.
Income: $75,000/year
Emergency Fund: $35,000 (6 months expenses)
Savings Rate: 15% of income
Investment Mix: 50% stocks, 50% bonds (age-appropriate)
Solid across all metrics with age-appropriate risk management and strong emergency fund.
Traditional financial advice often focuses on absolute numbers - "Have $1 million saved" or "Own a $500K house." But this ignores the reality that people have different incomes, live in different places, and face different costs of living.
Our scoring system recognizes that a teacher saving 20% of their income is demonstrating better financial discipline than a CEO saving 5% of theirs. It's about the habits and decisions you make relative to your situation.
When scoring is fair and relative, it builds confidence. A college student with $2,000 in savings and no debt can score higher than someone earning six figures but living paycheck to paycheck. This encourages good habits regardless of income level.
$20K income, $2K savings
10% savings rate ✅
3 months emergency fund ✅
$200K income, $3K savings
2% savings rate ❌
0.2 months emergency fund ❌
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