Wealth OS Scorecard
Most people rate their money by one number: net worth. But net worth tells you the score, not whether the machine works. This scorecard rates your personal finances the way you'd rate software — as an operating system with subsystems that either run cleanly or quietly leak. Answer 14 quick questions and get a maturity level plus the single move that matters most next.
Your answers stay in this browser. Optional AI sends only derived scores after email consent.
Rate your 7 subsystems
Pick the option closest to your reality today. Be honest — the tool is useless if you flatter yourself.
Your Wealth OS
Companion: Wealth OS Master Financial (starter template)
A clean, single-file personal finance workbook layout — net worth, cashflow, emergency runway, debt payoff, goal funding, and a subsystem tracker that mirrors this scorecard. Ships with dummy data only so you can safely see how it works, then replace it with your own offline.
The sample downloads instantly and privately. The emailed version is the same masked template plus occasional Wealth OS setup tips — one email, unsubscribe anytime.
How the scoring works
Each subsystem is scored 0–100 from your answers. The overall score is a weighted average — protection and liquidity are weighted higher than optimisation, because a system that grows fast but breaks under one emergency is not a good system. Maturity levels: