Metrics & methodology

No mystery scores.
No invisible assumptions.

Hugo explains what every metric measures, how it is calculated, what data it uses, and where an estimate begins.

Start free Fifteen minutes a month. No bank connection.
✓Definitions in plain English✓Formulas and assumptions visible✓Data completeness made explicit
Transparent by default

Confidence requires understanding the calculation.

A financial metric should help you think, not ask you to trust a number you cannot inspect.

01

Understand wealth and progress.

Net worth, liquid net worth, real growth, goal progress, FI percentage and years to FIRE.

02

Understand resilience.

Cash runway, emergency fund score, debt score and passive-income coverage.

03

Understand behavior.

Savings rate, total savings rate, investment rate and investment discipline.

04

Understand portfolio risk.

Diversification, institution concentration, drawdown, performance and exchange-rate exposure.

Assumptions made visible

Estimates are labeled as estimates.

Hugo uses your own history where it is sufficient and clearly states when it falls back to a standard assumption.

✓FIRE calculationThe FI target uses annual expenses multiplied by 25, based on the 4% withdrawal-rate convention.
✓Years to FIREUses your portfolio history when enough exists; otherwise it begins with a disclosed 6% annual estimate.
✓Financial healthShows how many of the six underlying dimensions have enough data to contribute.
The complete methodology

Every useful number should be explainable.

Hugo is being built so you can inspect the logic behind your financial picture, not merely accept its conclusions.

Start free