How the score works
Discipline level, debt ratings, OG, L11, L12.
How the score works
Millefold assigns three kinds of scores. None of them are financial advice.
Discipline score (0–100)
A composite that aims to capture how disciplined your wealth-building is. Today the algorithm is a transparent stub that emphasises net-worth ratio. Six inputs are planned:
- net_worth_ratio (25%) — assets ÷ liabilities. Captured.
- debt_quality (20%) — weighted average of your debt ratings. Captured.
- allocation_spread (15%) — diversification across asset categories. Captured.
- savings_rate (20%) — pending; needs income tracking.
- reinvestment (10%) — pending; needs dividend tracking.
- habit_consistency (10%) — pending; needs longer snapshot history.
Each input shows on the dashboard as captured or pending. The real algorithm replaces the stub once those inputs land.
Discipline level (L1–L10)
Buckets of 10 score points each — score 73 → L8. Public profile shows your level if you opted in.
Debt rating (1–10 per liability)
Computed when you save a liability. High = "good debt" (low APR, asset-backed, e.g. a mortgage on a paid-down property). Low = "bad debt" (high APR, unsecured, e.g. a 24% credit card).
OG badge
First 1,000 users to hit L8 permanently keep the OG badge. Public counter on the landing page. Once the cap is reached, no more OG. Ever.
L11 — verified interest arbitrage
Capped at 11 total. Granted by hand after we verify (through connected broker accounts later in beta) that your investment returns exceed your debt cost. Until that mechanic ships, L11 is dormant.
L12 — Architect
Not earnable. Not documented. If you see it, you know.