Methodology
The GWP Wealth Score — 0 to 850
The GWP Wealth Score is a composite of three pillars computed from your real financial data. It is not a credit score. It is not a wellness score. It is a wealth trajectory score — a single number that tells you whether your current financial behavior is building toward your goals or quietly working against them.
The three pillars
33% weight
Protection
How well you are protected against financial shocks. Measures your emergency fund coverage in months, your debt-to-income ratio, and your insurance coverage. A weak Protection score means one unexpected event could derail everything else you are building.
40% weight
Momentum
The speed at which you are building wealth. Measures your savings rate, how consistently you invest, and whether your monthly cash flow is positive. Momentum is the pillar most directly within your control — behaviour change here moves the score fastest.
27% weight
Efficiency
How well your money is working for you. Measures the proportion of your savings that is actively invested versus sitting idle, and how fully you are using tax-advantaged accounts. Efficiency is where the gap between average and excellent wealth building is most visible.
Score bands
Where your composite score falls on the 0–850 scale.
Perfect
750–850
Your wealth fundamentals are exceptional. Focus on optimisation and long-term growth.
Strong
600–749
You are building well. One or two specific changes could accelerate your trajectory significantly.
Stable
400–599
You have a foundation. There is meaningful room to improve. Your biggest lever is identified in your brief.
Weak
0–399
There are structural gaps that need addressing before your wealth can build efficiently. Start with your Protection score.
The confidence score
The confidence score tells you how reliable your GWP Score is, not how good your finances are. The confidence score is always visible — so you always know what your score is based on.
35%
Form answers only
A score based only on your form answers carries 35% confidence.
50%
Bank account connected
Connecting your bank account raises it to 50%.
65%
Investment accounts connected
Connecting your investment accounts raises it to 65%.
100%
Advisor verified
Your advisor verifying the profile in your first meeting raises it to 100%.
Your score
See yours in five minutes
Answer five questions for your preliminary Wealth Score across all three pillars. Connect accounts anytime to raise your confidence score.
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