Once your accounts are connected, Truthifi doesn't just show you your balances. It runs an automated financial checkup across your entire financial picture and surfaces a wellness score: a diagnostic that tells you, specifically, where your finances look solid and where there might be something worth paying attention to.

This page explains what the wellness score is, how to read each check, and how to use the findings to actually improve your financial health over time.

What is a financial wellness score?

Financial wellness is a broad term that gets used loosely, but in Truthifi it has a specific meaning. Your wellness score is the result of 130+ automated checks run across all your connected accounts. Each check looks at something concrete: whether your cash reserves would cover an unexpected expense, whether you're paying above-market fees, whether your portfolio is concentrated in a way that adds risk you might not have intended, whether your asset allocation matches your investment horizon, and dozens more.

The score is not a credit score. It doesn't leave Truthifi, it doesn't affect your ability to borrow money, and it isn't shared with any third party. It exists entirely to give you an honest read on your financial health, the same kind of read a financial advisor would run through during a proper review, done automatically and updated continuously.

A good financial health check isn't about whether your numbers are big or small. It's about whether your finances are set up in a way that's working in your favor. That's what the wellness score is trying to tell you.

How to read your wellness score

Your wellness score appears at the top of your Truthifi dashboard after your accounts have synced. The number itself is less important than the breakdown underneath it.

Below the overall score, you'll see your checks organized by category. Each category covers a different dimension of your financial health: liquidity, fees, portfolio structure, risk, and so on. Categories with flagged checks will show you how many items need attention. Categories where everything looks healthy will show as passing.

This structure is intentional. A single number tells you very little about your financial wellbeing. A breakdown by category tells you whether a low score is a fee problem, a cash reserve problem, a concentration problem, or some combination. That distinction matters because the fixes are completely different.

What a flagged check means

When a check is flagged, Truthifi is telling you something specific is worth looking at. Click into any flagged check and you'll see exactly what triggered it: which account, what the issue is, and where relevant, what the potential impact looks like over time.

For example, a fee check might flag that a particular fund in your portfolio has an expense ratio significantly above comparable alternatives. A concentration check might flag that a single stock represents an unusually large share of your total portfolio. A cash reserve check might flag that your liquid savings would cover less than the standard three months of expenses.

None of these are emergencies. They're observations. The goal of a financial health check is to surface things you might not have noticed, not to alarm you. What you do with a flagged check is entirely up to you.

What a passing check means

Not every check will be flagged, and that's useful information too. Knowing that your emergency fund coverage looks solid, that your expense ratios are reasonable, or that your portfolio isn't dangerously concentrated is genuinely good to know. Financial wellbeing isn't just about finding problems; it's about understanding where you stand.

Checks that pass will show as green. You don't need to do anything with them, but they're worth reading once to understand what Truthifi looked at and what it found.

How the wellness score updates

Your wellness score isn't a one-time report. It updates automatically as your financial picture changes: when balances shift, when you add new accounts, when holdings change. If you pay down a debt, consolidate accounts, or switch funds, the relevant checks will re-run and the score will reflect your updated situation.

This is what makes it a useful tool for ongoing financial health assessment rather than a snapshot you look at once and forget. A good financial health check should be a habit, not a one-off event.

Frequently asked questions

What is a financial wellness score? A financial wellness score is a diagnostic that evaluates your financial health across multiple dimensions: cash reserves, fees, portfolio structure, risk, and more. In Truthifi, it's the result of 130+ automated checks run across all your connected accounts. It's designed to give you a specific, actionable read on your finances rather than a vague rating.

Is the Truthifi wellness score the same as a credit score? No. The Truthifi wellness score is an internal diagnostic. It doesn't affect your creditworthiness, it isn't shared with lenders or third parties, and it has nothing to do with your credit history. It's a private tool for understanding your own financial health.

What does financial health mean? Financial health refers to how well your overall financial situation is set up to support your goals and absorb unexpected costs. A financial health check typically looks at things like liquidity (can you cover emergencies?), efficiency (are you paying unnecessary fees?), stability (is your portfolio appropriately diversified?), and progress (are you on track for your goals?). Truthifi automates this kind of assessment across your connected accounts.

How often does the wellness score update? Automatically, whenever your account data syncs. You don't need to trigger a manual refresh.

What should I do if a check is flagged? Read the detail view for that check. It will tell you exactly what triggered the flag and which account is involved. From there, you can decide whether it's something you want to act on. Truthifi surfaces the finding; what you do with it is up to you.

How is this different from a financial health calculator? A financial health calculator typically takes inputs you provide manually and runs a single calculation. Truthifi's wellness score pulls live data from all your connected accounts and runs 130+ checks continuously. It's a financial health assessment, not a one-time calculation.

Get started free at truthifi.com. Want to ask questions about your wellness score in plain language? Try Truthifi Connect to pipe your financial data into Claude or ChatGPT.