Financial Health Documentation

How to read this document

Sections move from purpose → concepts → calculation process → worked examples → edge cases. Formula boxes use plain mathematical notation for clarity; they are conceptual summaries, not API contracts.

• Point lists call out operator-visible behaviour.
• Callouts mark warnings, limitations, or important qualifications.
• Worked examples use round numbers so you can reproduce the arithmetic by hand.

Purpose

Financial Health computes a numeric household score with readable drivers — each driver names the signal behind it so you can see why the score is where it is. It also keeps a score history, produces a forecast, and offers recommendations. It is not a credit score, diagnosis, eligibility decision, or personalized financial advice.

• Summarize selected household patterns into a score and its drivers
• Track how the score has moved and where it is heading
• Connect each driver to its source module
• Keep proprietary scoring mechanics private

Score pillars

The score is built from pillar signals: cash-flow consistency, spending control, resilience, debt burden, and progress toward goals. Each driver shown next to the score is readable — it names the pillar and pattern behind it — but the exact weighted equations are not disclosed.

• Cash flow: relationship between included income and expenses.
• Spending control: budget usage and variability.
• Resilience: available balances or buffers represented in the product.
• Debt: entered liabilities and modeled repayment context.
• Progress: movement toward selected goals.

Inputs and scope

• Selected household and period
• Enabled income
• Included expenses and budget configuration
• Entered assets, debts, and goals
• Currency conversion and data freshness

What is and is not published

Public documentation identifies the types of inputs and the qualitative interpretation of pillars. Exact weights, normalization bands, thresholds, caps, and anti-manipulation rules are not published.

Cash-flow pillar

Positive savings can support a healthier cash-flow interpretation, but a single month does not establish stability, liquidity, or affordability.

• Check seasonality.
• Separate one-off inflows.
• Review disabled income.
• Compare like periods.

Spending-control pillar

Budget adherence can provide context, but limits are household-defined. A low limit is not inherently healthy, and exceeding one budget does not by itself define overall health.

Resilience pillar

Resilience considers whether entered resources appear capable of absorbing disruption. Liquidity, access restrictions, currency, and data completeness matter.

Debt pillar

Entered debt balances and payment scenarios can indicate pressure and trajectory. AccountHouse cannot verify lender terms, hidden fees, or unentered obligations.

• Use current balances.
• Review variable rates.
• Distinguish minimum from planned payments.
• Confirm payoff values with lenders.

Goal-progress pillar

Goal progress can show consistency toward household priorities. Double counting, unrealistic target dates, and stale balances reduce its usefulness.

Interpreting labels and changes

Read labels as prompts to inspect source data. A changed indicator can result from genuine activity, corrected data, a different period, changed configuration, or methodology evolution.

• Open the contributing module.
• Check period and currency.
• Inspect data freshness.
• Compare absolute values.
• Avoid treating small display changes as precise risk movements.

Responsible improvement workflow

Not credit, underwriting, or diagnosis

• No guarantee of solvency.
• No investment recommendation.
• No clinical or wellbeing diagnosis.
• No substitute for regulated professional advice.

Score history and methodology changes

The score keeps a history so you can see movement over time. Indicators may still be recalculated from current records and product methodology, so unless a point is an explicit immutable snapshot, a chart should not be treated as forensic proof of an earlier displayed score.

Forecast and recommendations

Alongside the current score, Financial Health projects a forecast of where the score is heading if present patterns continue, and pairs it with recommendations tied to the weaker drivers.

• The forecast is an informational scenario, not a promise — corrected data or changed habits move it.
• Recommendations point at source modules (budgets, debts, goals); acting on them is a household decision, not a product instruction.

Data-quality checklist

• Income enabled correctly
• Expenses complete and deduplicated
• Budgets intentional
• Assets and debts current
• Goals not double-counted
• FX basis understood
• Household and period correct

Privacy, advice limits, and what we do not publish

AccountHouse is a household tracking and organisation tool. It is not a bank, payment processor, tax advisor, or investment advisor. Forecasts, health scores, balances, and alerts are informational.

• Household data is scoped to your household; other families cannot see your ledger.
• Public documentation explains product behaviour and calculation concepts, not proprietary internals.
• Exact scoring weights, anomaly thresholds, cryptography parameters beyond high-level algorithms, and operational detection rules are reserved.
• Financial-health data is sensitive household information and should be shared cautiously.
• Exact pillar weights, thresholds, and operational safeguards are intentionally not disclosed.