Your results come from the answers you provide and fixed calculations. AI does not calculate your scores or decide your invitation.
All five components must be known. Missing components are never guessed or reweighted.
| Component | Weight | How it is scored |
|---|---|---|
| Accessible reserves | 25% | <1 month: 0; 1–2: 25; 3–5: 60; 6–11: 85; 12+: 100 |
| Saving / take-home income | 25% | 0: 0; >0–<5%: 25; 5–<10%: 50; 10–<20%: 75; ≥20%: 100 |
| Remainder / take-home income | 20% | <0: 0; 0–<5%: 25; 5–<10%: 50; 10–<20%: 75; ≥20%: 100 |
| Debt manageability | 15% | None: 100; manageable: 80; limits choices: 50; stressful: 20; falling behind: 0 |
| Income predictability | 15% | Very: 100; mostly: 80; variable/planned: 60; unpredictable: 25; no reliable source: 0 |
Foundation labels: below 40, needs attention; 40–59, forming; 60–79, strong; 80+, flexible. Labels use unrounded scores.
60% experience fulfillment + 40% satisfaction.
Fulfillment is current annual experience spending divided by your desired annual budget, capped at 100%. Satisfaction is your 0–10 response multiplied by 10.
If your desired budget is zero, alignment uses satisfaction alone. Zero is not a failure. Otherwise both inputs are required.
50 + (alignment − foundation) / 2
Clamped between 0 and 100. Left is future-focused; right is present-focused. Neither end is inherently better.
A centered indicator is only called healthy when both supporting scores are at least 60 and there is no negative-remainder or debt-arrears warning.
Estimated remainder = monthly take-home income − essentials − monthly saving − annual experience spending / 12.
It is before other spending, not disposable income or an affordability recommendation. If income is zero, rate-based scores are unavailable. A negative remainder is shown as a deficit, never as a negative donut slice.
Annual household income of at least $250,000 OR liquid/investable savings of at least $250,000 qualifies. A qualifying known band wins even if the other is unknown. Both known below the threshold means dashboard-only. Otherwise invitation status remains unknown.
Future inheritances, other events, scores, and requests for professional advice never override this rule.
This is a proposed, unvalidated educational rubric. It does not assess financial suitability, recommend investments, or tell you what you can safely spend. Figures are household estimates in USD. No percentile or comparison to other people is inferred.
Question 1.0 · Scoring 1.0-proposed · Routing 1.0