Financial Health & Insights

Understand your overall financial wellness

Prism Wallet calculates a Financial Health Score and provides insights to help you understand and improve your financial well-being.

Financial Health Score

Your score ranges from 0 to 100 and falls into one of four levels:

• Strong (80-100): Excellent financial health
• Stable (60-79): Good health with room for improvement
• Building (40-59): Progressing with opportunities to improve
• Developing (0-39): Early stages, focus on building habits

Score Components

Your score is calculated from key financial metrics:

Budget Adherence

How consistently you stay within your budgets. The more budgets you stay under, the better this component scores.

Savings Rate

The percentage of your income that you save each month. A target of 20% or more is considered strong.

Debt-to-Income Ratio

Your monthly debt payments as a percentage of income. Below 36% is the target.

Emergency Fund

How many months of expenses you have saved in liquid accounts.

Spending Consistency

How predictable and controlled your spending patterns are over time.

Net Worth Trend

Whether your overall net worth is growing, stable, or declining.

Viewing Your Score

Add the Financial Health Score widget to your Dashboard, then tap it to see the detailed breakdown of each component with your current values and targets.

Cash Flow Analysis

The Cash Flow feature shows:

• Monthly income vs. expenses as a visual chart
• Net cash flow (income minus expenses)
• Trends compared to previous months

Access it from the Dashboard Cash Flow widget.

Morning Digest

Start each day with a financial summary including:

• Yesterday's spending total
• Bills due today
• Budget status across categories
• Net worth change

Enable the Morning Digest in notification settings or add it as a Dashboard widget.

Monthly Reports

Get a comprehensive monthly analysis including:

• Income summary
• Expense breakdown by category
• Net cash flow
• Comparisons to previous months

Cash Flow Forecast

Based on your recurring transactions, the forecast predicts upcoming income and expenses so you can plan ahead.

Improving Your Score

• Stick to your budgets consistently
• Build an emergency fund with regular contributions
• Pay down high-interest debt
• Maintain a positive savings rate each month
• Keep account balances trending upward