Annual Financial Review Calculator

The score adds up to 30 points for net worth growth (10+ points at zero or positive growth, 20 at 5%+, 30 at 10%+), up to 40 points for savings rate (10 points at 5%+ of income saved, up to 40 at 20%+ — the largest single category), and up to 30 points for total debt paid down (10 points for any reduction, up to 30 at $10,000+), capped at 100 total. It's a composite designed to reward growth, saving discipline, and debt reduction together rather than any single metric alone.

No. Net Worth Change is calculated purely from the difference between your start-of-year and end-of-year net worth figures, which already reflect any debt paydown (since reducing debt increases net worth directly). Debt Paid Down as a separate input only feeds into the Financial Health Score, giving explicit credit for debt reduction as its own behavior alongside overall net worth growth.

It applies this year's percentage net worth growth rate to your current end-of-year net worth, assuming the same rate repeats. It is a simple extrapolation, not a market forecast — it doesn't account for changing market conditions, a one-time bonus or inheritance that inflated this year's growth, or a planned change in your savings behavior, so treat it as a rough planning anchor rather than a prediction.

Savings Rate measures Total Saved This Year against Annual Gross Income — it's about cash flow, how much of what you earned went into savings. Net Worth Growth measures the change in your total net worth against where you started — it's about balance sheet, and it also captures investment returns, debt paydown, and asset value changes that have nothing to do with cash actively saved from income. The two can diverge significantly, for example when strong market returns grow net worth well beyond what was actually saved.