How the score works
Discipline score, levels, 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 weighted average of six inputs. An input that doesn't apply to you yet is left out and its weight is shared across the others, so you're never penalised for something you don't track:
- net_worth_ratio (25%) — assets relative to liabilities. Counted once you have an asset.
- debt_quality (20%) — the average of your debt ratings. Counted only if you have rated liabilities.
- allocation_spread (15%) — how many asset categories you hold. Counted once you have an asset.
- savings_rate (20%) — not scored yet; needs income tracking.
- reinvestment (10%) — not scored yet; needs dividend-reinvestment tracking.
- habit_consistency (10%) — your daily tracking streak. Counted from a 3-day streak.
The dashboard shows each input as counted or not, with its effective weight. The score is recalculated each time you open the dashboard.
Discipline level (L1–L10)
Buckets of 10 score points each — score 73 → L8. Your level (not the score) is shown on your public profile if you turned it on.
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
The first 1,000 users to reach L8 permanently keep the OG badge. 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.