Scenario A
+0
68
Stable
Money Operating System
Unified Financial Control Layer
A structured command dashboard that combines financial health, credit behavior, liquidity, net worth, retirement, and mortgage readiness into one weekly operating view.
Scenario B
+6
74
Strong
Scenario C
+10
78
Strong
Demo Health Core
Financial Health Score: 68/100
Demo preview mode is active. Sign in to load your real cross-tool profile and unlock full interactive tracking.
Your 12-Month Upgrade Plan
Current month focus: Month 2
Stop carry-balance habit and define fixed debt paydown amount
Completion
22%
Next milestone
Month 3 — Emergency fund reaches 1 month of expenses
Target score
79
Guest Preview Mode
Unlock Full Financial Dashboard
Connect your real scenarios, save progress, and enable personalized action sequencing across the full Money Operating System.
Credit & Cash Engine
Credit Level 2 · Builder
95 pts- Utilization
- 42.0%
- Carry balance
- Yes
- Streak
- 6 days
Emergency Fund Progress
2.8 / 6 months
Target amount
CAD 25,200
Monthly expenses
CAD 4,200
Wealth Builder Engine
Net Worth Snapshot
- Net worth now
- CAD 94,000
- 5-year preview
- CAD 164,000
- Monthly income
- CAD 7,600
- Monthly surplus
- CAD 540
Retirement & Mortgage Engine
Retirement readiness
61/100
Gap estimate: CAD 14,800
Mortgage readiness
59/100
Watch
Debt ratio
39.0%
Housing ratio
33.0%
Family & Future Engine
Dependents
2
RESP progress
44.0%
Insurance gap
Review needed
Credit Level Widget
Academy Credit Level
Credit Level 1 · Foundation
Gamified educational level based on utilization, surplus, liquidity, and unified financial health signals.
Sign in required for saved credit levels.
Guest users can still use tools, but level points and streak history are stored for signed-in accounts.
Educational achievement system only. Not financial advice or certification.
Action Center
Do this now
1. Lower utilization below 30%
Simulate repayment pace and new spending controls to reduce revolving balance pressure.
Open action2. Build a 3-month emergency floor
Allocate fixed monthly transfer until liquidity reaches minimum resilience target.
Open action3. Compare A/B/C strategic paths
Test conservative, balanced, and growth assumptions before major commitments.
Open actionProgress to next badge
Level 3 · Disciplined
64% complete
Streak tracker
6 days
Weekly rhythm consistency drives level unlocks and score stability.
Micro-goals
-
Improve score by 5 points
Complete one micro-action this week and re-run MOS.
Health score +5
-
Unlock credit level 3
Maintain lower utilization and avoid carry balance in your next cycle.
Credit Level 3
Risk alerts
- - Demo profile: high credit utilization may reduce borrowing flexibility.
- - Demo profile: emergency reserve is below a 3-month cushion.
Educational planning system only. Not financial, tax, legal, mortgage, or lending advice.