Understanding SavePoint's Dashboard Metrics

Understanding SavePoint's Dashboard Metrics

Your SavePoint dashboard displays several key numbers that give you an instant read on your financial health. Understanding what each metric means and how it's calculated helps you make better decisions about your money.

The Four Summary Cards

At the top of your dashboard, four colored cards show your most important numbers at a glance.

Monthly Income shows how much money came into your accounts this month. Green with an up arrow means you're earning more than last month. Red with a down arrow means you're earning less. This could be normal (like seasonal work) or something worth investigating.

Monthly Expenses displays how much you've spent this month. Red with an up arrow indicates you're spending more than last month. Check if this was planned (like a large purchase) or if your spending is creeping up unexpectedly.

Net Worth equals your total assets minus total debts. This number should generally trend upward over time. If it's dropping consistently, you're either spending more than you earn or your investments have declined.

Savings Rate shows what percentage of your income you're keeping rather than spending. Financial experts often recommend 20% or higher, though any positive rate means you're moving in the right direction.

Budget Progress Visualization

The budget progress section shows how much of your monthly budget you've spent in each category. The color coding gives you instant feedback:

Green progress bars mean you're spending normally in those categories. Yellow or orange bars (over 80% spent) warn that you're getting close to your limit. Red bars (over 100%) show you've exceeded your budget in those categories.

Very short or empty bars might indicate you haven't spent in those categories yet, or your budget allocation might be too high. Click on any category to see exactly what transactions contributed to that spending.

Net Worth Trend Chart

The net worth line chart shows whether your overall wealth is growing over time. An upward trending line means you're building assets or paying down debt. A downward trend means your wealth is decreasing. A flat line indicates you're maintaining your position but not advancing.

Large jumps up or down usually indicate significant events: buying a house, paying off a major debt, receiving an inheritance, or experiencing investment gains or losses.

Financial Health Score

SavePoint calculates your overall financial health using a 0-100 point scoring system based on five components:

Savings Rate (25 points max) measures what percentage of income you're saving. Higher savings rates earn more points.

Net Worth Position (20 points) evaluates your assets relative to liabilities. Positive net worth earns points, with higher ratios scoring better.

Budget Adherence (20 points) tracks how well you stay within your planned spending categories.

Emergency Fund (15 points) assesses whether you have adequate savings to cover unexpected expenses.

Debt-to-Income Ratio (10 points) compares your debt payments to your income. Lower ratios score higher.

Customizing Your View

Not everyone needs to see every metric every day. SavePoint lets you customize your dashboard by enabling or disabling modules, reordering them to match your priorities, and setting modules to full or half width.

If you're focused on debt payoff, you might prioritize liability tracking and budget adherence. If you're building toward FIRE, net worth trend and savings rate might be your primary focus.

For detailed guidance on any dashboard feature, visit the Help section within SavePoint.