It's a score between 0 and 100 that shows how financially healthy you are. Not just how much money you have, but your habits, your plan, and the direction things are heading. It runs across seven bands from Under Pressure to Thriving, and it updates as your financial life does. It's an honest, ongoing read of where you actually stand.

A credit score tells lenders whether they should trust you with their money. Your Pipin Health score has nothing to do with lenders. It doesn't look at your credit history, and it won't affect your credit rating. It's something different entirely: a measure of your own financial wellbeing, built around your life, your plan, and how the two line up.

Yes. It updates every day. But it's not just reacting to what happened yesterday. It looks at months of data, so it tracks patterns and direction rather than single moments. It also gets more accurate the longer you use Pipin. It starts from a sensible baseline then settles after a few months to become a close reflection of your real financial picture. It's built to move with you.