The health score is not a credit bureau rating. It is a private signal built from patterns in your app—savings rate, budget adherence, spending stability, and related habits.
Why a range of 300–850
The scale feels familiar, but the inputs are yours alone: income vs expenses, how often you stay within budgets, and consistency over time. No lender sees this number unless you share a screenshot yourself.
How to raise it steadily
Scores move gradually. A better month of logging beats a one-time big deposit you never track.
- Log income and expenses regularly so the app has accurate data
- Set realistic category budgets instead of guessing
- Build a small emergency buffer—even ₹500 a week adds up
- Use insights to spot spikes before they become habits
Use it as a mirror, not a grade
Treat the score as feedback on habits you control. Pair it with charts and streaks in Pocket Money, and adjust one category at a time until the trend points up.