Understanding your Insights

Insights turns your income, spending, investments and debts into five health measures plus two resilience checks, each scored against a benchmark and shown as a gauge with a badge. Here's how to read them - and why the ranges are set where they are.

Three kinds of gauge

Every measure uses one of three shapes, because "good" doesn't always mean "as high as possible":

• Ascending, open-ended — more is simply better once you clear the benchmark. Wealth multiple works this way: there's no such thing as too much net worth.
• Goldilocks (a target band) — too little is risky, too much has a real cost. Cash pool, liquidity pool and assets at life expectancy all work this way: holding too much of your wealth in cash or leaving too much unspent has an opportunity cost, just as holding too little exposes you to a shock.
• Descending — less is better, full stop. Debt-to-income works this way: there's no upside to carrying more debt service relative to income.

Colors and badges

Each gauge is shaded green, amber or red along its length, and your current value gets a badge naming where it falls - "On track", "Right-sized", "Stretched", and so on. The color is a quick read; the badge text and the benchmark numbers underneath are the actual reasoning, available by expanding "Details" on any row.

The five measures and two resilience checks

• Wealth multiple

  Net worth measured against your own spending, scored against an age-based benchmark curve.

• Cash pool

  Months of pure cash runway - enough to survive a shock, not so much that it sits idle.

• Liquidity pool

  Cash plus fixed income, sized to outlast a market downturn without selling equities.

• Debt-to-income

  How much of your income is already spoken for by debt service, before you save a cent.

• Assets at life expectancy

  A projection decades out: does your plan run dry, land on target, or leave wealth unspent?

• Resilience: flexibility & inflation protection

  How much of your budget you could cut in a pinch, and whether inflation quietly erodes your plan.

Why benchmarks at all

A number on its own doesn't tell you much - is 6 months of cash a lot or a little? Is a 4.2× wealth multiple good for a 35-year-old? Benchmarks give every number context: a range grounded in common planning guidance (emergency-fund sizing, lending-industry debt ratios, retirement withdrawal math) rather than an arbitrary line. See the Analysis screen manual for how these measures sit alongside Scenarios on the same screen.