METHODOLOGY

How the Armor Score works

What each pillar measures, what it’s compared with, and how its weight shifts with age. Every input is named; the formulae and exact weights are not.

Applies to the Armor Score on yourarmor.ai and in the Armor app.

WHAT IT IS
A score from 0 to 100
Sums up your overall financial health.
WHAT IT’S BUILT FROM
Five pillars
Each one is scored on the same scale.
WHAT IT’S COMPARED WITH
Age-based benchmarks
Plus your income and expenses for some measures.
HOW IT’S WORKED OUT
Armor’s own rules
A fixed engine, not an AI model.

RESEARCH BASIS

Built on research, not opinion

The pillars, their benchmarks and the way they combine come from published academic research on household finance, and professors of finance have reviewed the model.

The five pillars

HOW THE WEIGHTING WORKS

What counts most shifts with age.

The shield redraws as you move the slider: the bigger the section, the more it counts at that age.

  1. EARLY IN YOUR CAREER

    How fast you save counts most.

    • Growth

  2. CLOSER TO RETIREMENT

    Protecting what you’ve built takes over.

    • Stability
    • Loan
    • Diversification

Proportions are illustrative, not the actual weights.

What your score means

  • 80–100GreatStrong on almost every front. Keep it there as your life changes.
  • 60–79On TrackThe basics are in place, with one or two pillars worth tightening.
  • 40–59Needs AttentionA real gap in at least one pillar. Fixing the weakest one moves the score most.
  • 0–39At RiskA sudden expense or a lost income would hurt. Start with Stability and Shield.

What goes into each pillar

  • Months of expenses your emergency fund covers
  • Years of expenses your investments cover

Questions about the score

Because the score is meant to tell you what to fix, not to be tuned. Every input is something you can see and change: your savings, your cover, your EMIs, your mix.

We score a pillar only once we have the details it needs. Shield, for example, needs your insurance cover. Add those details and the pillar, and your overall score, update straight away.

No. A credit score tells a lender how likely you are to repay. The Armor Score tells you how well your own finances would hold up, and what to work on first.

The Armor Score is an educational tool, generated from the details you provide. It is not investment advice or a recommendation. Disclosures

Check your own Armor Score

Enter your income, expenses, savings, debts, insurance and investments, and see how each pillar scores. Free, in 3 minutes.

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