Financial Score
One number for where your money actually stands.
Your credit score tells lenders how you handle borrowing. It says nothing about whether you are saving enough, paying too much interest, or carrying the right insurance. The Financial Score covers the rest.
Overview
Cipili scores ten areas of your financial life from the details you enter: savings, debt, credit, income, career, education, investments, insurance, housing, and taxes. Each area gets its own score out of 100 and a sentence explaining how it got there.
Those ten scores roll up into a single number between 0 and 100. Not to rank you against strangers, but to make it obvious which part of your finances is dragging the rest down, so you know what to work on first.
Weakest component: investments. Nothing recorded in a retirement account yet, and this weight rises as you move through your twenties.
Key benefits
The whole picture, not just credit
A credit score covers one behaviour: repayment. The Financial Score covers the savings you have, the debt you carry, the coverage you hold, and the money you are earning and investing.
Weighted for your stage of life
A college sophomore and someone five years from retirement should not be graded on the same things. Education and debt carry most of the weight for a student. Investments, insurance, and taxes carry it later.
Every point is explainable
No black box. Each component reports the score it gave, the weight that score carried, and the reasoning in plain English. The version of the scoring config used is recorded with the result.
Free, with no card
Your score and the factors behind it are on the free plan. You never have to enter a payment method to find out where you stand.
How the score is calculated
Three steps, and you can follow all of them.
- Each of the ten components is scored from 0 to 100 against a published benchmark, using the figures you gave during onboarding. Missing a figure does not fail you, it just scores as unknown and tells you what to add.
- Each component is multiplied by a weight set for your life stage. For a college student, education is worth roughly a quarter of the total and taxes almost nothing. For someone approaching retirement, investments carry the most.
- The weighted components are averaged into one score out of 100. The benchmarks, the weights, and the version of the config that produced your number are all recorded, so any score can be reproduced and checked later.
Why it matters
A single number is not the point. What the number does is the point.
- It ranks your problems. Most people know something is off but not which thing to fix first. The component scores answer that.
- It makes progress visible. Small money decisions pay off slowly, and a score that moves is a way to see the payoff before your balance shows it.
- It stops you optimising the wrong thing. Chasing a slightly better savings rate while carrying high-interest debt is common, and a weighted score makes that trade obvious.
How to improve it
Once you have a score, Cipili turns it into an ordered list of things to work on. Your priorities are ranked by how much a given change would move your score for your situation, never by what a partner pays us. The score simulator lets you change one input, your savings rate, a credit-card balance, and watch the effect before you change anything in real life. Monthly checkups show what moved since last time.
What the score is not
It is not a credit score, it is not reported to any bureau, and getting it involves no credit pull. It is not a prediction of your future, and it is not a substitute for a licensed professional on a decision with real stakes. It is a modeled estimate built from what you tell us, using assumptions we show you.
Frequently asked questions
Does getting my score affect my credit?
No. Cipili does not pull your credit report and does not report anything to a credit bureau. If you tell us your credit score, we use the number you give us.
Do I have to connect my bank account?
No. Every part of the score works from figures you enter yourself. Connecting a bank is optional, it just saves you the typing, and you can disconnect it at any time.
What counts as a good score?
Cipili does not publish a pass mark, because the honest comparison is your score against your own score last month. A number that is climbing means the decisions you are making are working.
How often does it update?
It is recalculated from your current details every time you open your dashboard, and a snapshot is kept each day so you can see the trend over time.
What does it cost?
The score and the factors behind it are free. The tools that help you improve it, the modules, the ranked priorities, and the AI coach, are part of Premium.
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Onboarding asks for your age, income, goals, and rough balances. Ranges are fine, and it never asks for account numbers. Your Financial Score is free.
Cipili provides financial education, comparisons, and estimates based on the information you provide. It does not provide investment, tax, legal, or accounting advice, and is not a registered investment adviser or fiduciary. Estimates rest on stated assumptions and are not guarantees of future results.