Dashboard
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Finances
Debt management, savings, income stability, and credit health.
Skilled
72
/ 100Pillar scoreUpdated Today
0 β Aspirant50 β Skilled80+ β Master
Score breakdown
Deterministic
+18
Debt-to-income ratio0.31
+12
On-time payment rate (90d)98%
-7
Savings buffer1.2 mo
-9
Credit utilization62%
+8
Income stabilityHigh
Scores are computed deterministically from verified sources. Every contribution is auditable and reproducible.
Quick wins
Reduce credit utilization below 30%+7
Your current utilization is 62%. Paying down revolving balances can boost your score quickly.
Build 3 months of savings buffer+9
You currently have 1.2 months of expenses saved. Reaching 3 months is a key resilience threshold.
Your certifications
1 active
Verified Income
National Bank of Canada
Active
Trust weight: 92%Expires Dec 2026
Available certifiers
N
National Bank of Canada
Tier 1 Β· Trust 95%