Budget Gamification Score Calculator

Points and streaks from adherence.

Categories on budget

Total budget categories

Consecutive on-budget months

Savings goal achieved (%)

Discretionary spending reduction (%)

Tab to move between fields

Total gamification score (0–100)

Badge level (0–5)3

Points to next badge6

Adherence points (max 40)32

Streak points (max 20)8

Streak level (0–5)2

Savings points (max 25)21

Discretionary points (max 15)8

How to Use This Calculator

Enter Categories on budget, Total budget categories, and Consecutive on-budget months.
Set Savings goal achieved (%) and Discretionary spending reduction (%).
Review the Total gamification score (0–100) result.
Use Badge level (0–5) and Points to next badge to inform your decision.

How the result changes with Categories on budget

Categories on budget: Number of budget categories where spending was at or under budget this month.
Total budget categories: Total number of categories in your budget.
Consecutive on-budget months: Number of consecutive months you stayed within your total budget.
Savings goal achieved (%): Percentage of your monthly savings target you actually saved.
Discretionary spending reduction (%): How much you reduced discretionary spending compared to last month.

Total gamification score (0–100): Combined score from adherence, streaks, savings, and spending reduction.
Badge level (0–5): 0=None, 1=Bronze, 2=Silver, 3=Gold, 4=Platinum, 5=Diamond.
Points to next badge: How many more points needed to reach the next badge level.
Adherence points (max 40): Points earned from staying on budget across categories.
Streak points (max 20): Bonus points for consecutive on-budget months (2 pts/month).
Streak level (0–5): 0=Beginner, 1=Starter, 2=Consistent, 3=Dedicated, 4=Master, 5=Legend.
Savings points (max 25): Points from achieving your savings target percentage.
Discretionary points (max 15): Points from reducing discretionary spending.

Identify Input Parameters
4 parameters
Categories on budget = 8, Total budget categories = 10, Consecutive on-budget months = 4, Savings goal achieved (%) = 85 = 5 input(s) provided
Calculate Total gamification score
Total gamification score = min(100
69 = 69
Calculate Badge level
3 = 3
Calculate Points to next badge
Points to next badge
6 = 6