One score.
The full story behind it.
Hugo turns the foundations of your financial life into one clear signal — then shows exactly which areas make it stronger or weaker.
Measure strength, not just size.
A high net worth does not automatically mean healthy finances. Liquidity, debt, savings habits and concentration all matter.
Know whether your reserve is enough.
Cash runway and emergency fund metrics show how long your liquid buffer could support your current expenses.
Put debt in context.
Hugo considers debt relative to assets and income — and its cost when an interest rate is available.
Measure the habits building wealth.
Savings, investment rate and investment discipline reveal the repeatable behavior behind your progress.
Spot hidden concentration.
Diversification and institution concentration show whether too much depends on one asset type or provider.
A score you can actually understand.
Hugo shows which inputs are available, what each metric means, and when more data would make the result more complete.
What to know before you start.
What does the Financial Health Score measure?
It combines several dimensions, including reserves, debt, saving rate, diversification and long-term consistency.
Is the score a universal verdict?
No. It is a directional tool for tracking your own progress, not a grade or personalized financial advice.
Why track the score over time?
One number reveals the direction quickly. The underlying metrics explain which part of your situation changed it.
Know where you stand. Understand where you're going.
Build a complete picture of your wealth in one thoughtful monthly habit.
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