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 organizes household signals into qualitative pillars and review prompts. It is not a credit score, diagnosis, eligibility decision, or personalized financial advice.

• Summarize selected household patterns
• Highlight areas worth reviewing
• Connect indicators to source modules
• Keep proprietary scoring mechanics private

Qualitative pillars

The experience may consider themes such as cash-flow consistency, spending control, resilience, debt burden, and progress toward goals. Pillars are qualitative lenses, not disclosed weighted equations.

• 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.

History and methodology changes

Current indicators may be recalculated from current records and product methodology. Unless an explicit immutable snapshot is provided, a chart should not be treated as forensic proof of an earlier displayed score.

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.