Financial Health
Financial Health answers "how would an underwriter read my statements?" It turns your uploaded transactions into an income analysis, a cash-flow analysis, a single score out of 1000, and a plain-English summary of what stands out.
What it shows
Score and summary
- A Bank Statement Score from 0 to 1000, shown as a dial, with a risk label of Low, Medium or High risk beside it.
- An executive summary — a short written read of the statements.
- Positive factors and red flags, each a list of specific observations.
- A note listing anything the report could not see, when data is missing.
- A score breakdown: the named components of the score, each with the points awarded out of the points available, shown as a bar.
Income analysis
| Panel | What it shows |
|---|---|
| Average monthly income | Mean monthly money in over the analysed months |
| Median monthly income | Median monthly money in |
| Latest month income | Money in for the most recent analysed month |
| Income stability | A stability percentage; the tile is highlighted differently when a salary has been detected |
| Monthly income trend | Bar chart of income per month |
| Recurring income sources | Table of each detected source, its type (Salary or Revenue), its cadence, its typical amount, and how many months it appears in |
Recurring sources are classified as weekly, fortnightly or monthly in cadence.
Cash flow analysis
| Panel | What it shows |
|---|---|
| Average balance | Mean balance across the analysed months |
| Minimum balance | Lowest balance seen |
| Net cash flow | Money in minus money out across the period, coloured by sign |
| Cash runway | A figure in months, shown as N mo; a dash when it cannot be calculated |
| Low-balance days | Count of days spent at a low balance |
| Negative-balance events | Count of times the balance went below zero |
| Expense volatility | How much monthly spending varies, as a percentage |
| Months net positive | How many of the analysed months ended net positive |
| Inflow vs outflow | Bar chart of money in against money out, per month |
| Monthly balances | Table of opening, closing, minimum balance, inflow, outflow and net for each month, paginated once there are more than 12 months |
How to use it
- Open Financial Health. The report loads automatically over all of your processed statements.
- Read the score and risk level first, then the executive summary.
- Check positives and red flags — these name the specific behaviours behind the score.
- Use the score breakdown to see which components cost you points.
- Work down through income and then cash flow for the underlying month-by-month detail.
Notes and limits
- The score is a read of your bank statements only. It is not a credit score, it does not consult a credit bureau, and no lender is bound by it.
- Balance-based figures — average balance, minimum balance, low-balance days, negative-balance events, cash runway — depend on your statements carrying running balances. Where a balance is not available the figure is shown as a dash rather than estimated.
- The report covers all of your statement data; there is no period selector on this screen. The number of months analysed follows from what you have uploaded.
- All amounts are shown in one resolved currency. If no currency could be determined from the statements, a banner says which currency is being assumed and links you to settings to set it.
- Anything the report could not assess is listed explicitly rather than scored as if it were fine.
- With no processed statements, the page shows no data instead of a report.