Last checked 3 September 2026
Every figure below comes from the same function that runs in the product. If you want to check our arithmetic against your own numbers, this page has everything you need to do it.
The selftickr rating is a 0–100 score describing the direction and steadiness of a person's net worth over the previous thirty days, built from four weighted components: growth, consistency, positive days and savings rate, and how completely the account has been kept up to date.
It is a description of a trajectory, not a judgement of a person and not a recommendation. It knows nothing about your job, your age, your dependants, your country, your tax position or your plans. It knows what your net worth did over the last month, and that is the entire basis on which it speaks.
The absolute figure is deliberately excluded. A person at −$20,000 climbing steadily can score higher than a person at $2,000,000 sliding, because the score is about movement. This is the single most important design decision in the algorithm, and it is why the scale can be shown to somebody early in their working life without insulting them.
The score is the sum of four buckets, each capped at its own maximum. The weights are fixed and identical for every account.
| Component | Max | What it measures |
|---|---|---|
| Growth | 40 | Percentage change in net worth over the trailing 30 days. |
| Consistency | 25 | How steady those daily changes were, measured as the standard deviation of the daily percentage change. |
| Positive days and savings rate | 20 | Half from the current run of consecutive days with a net gain, half from income minus spending over the last 30 days. |
| Completeness | 15 | How many of the last 30 days have a recorded closing value, and how regularly transactions were logged. |
Growth carries the largest weight because it is the thing being measured. Consistency is second because a trajectory that arrives at the same place through violent swings is a genuinely different thing to live through than a smooth one, and averaging them together would hide that.
Growth (0–40). Take net worth thirty days ago and today, compute the percentage change, and map it onto the bucket linearly: −10% scores zero, 0% scores half, +15% or better scores full marks.
clamp((growth% + 10) ÷ 25, 0, 1) × 40
Where the starting value is zero, any positive movement scores full marks and a flat month scores 30% of the bucket — percentage change from zero is undefined.
Consistency (0–25). Take the standard deviation of the daily percentage changes over the same thirty days. A perfectly smooth month scores full marks; a standard deviation of 5 percentage points or more scores zero.
clamp(1 − (standard deviation ÷ 5), 0, 1) × 25
Fewer than three days of change data scores half the bucket rather than penalising a short history.
Positive days and savings rate (0–20). Two halves. The first is the current unbroken run of days ending with a net gain, where fourteen days or more scores full marks. The second is the trailing 30-day savings rate from your ledger, where a 30% rate or better scores full marks and −20% scores zero.
(streak_score × 0.5 + savings_score × 0.5) × 20
With no recorded income in the period, the savings half scores zero rather than being estimated.
Completeness (0–15). Sixty percent from the share of the last thirty days that have a recorded closing value, forty percent from the number of distinct days on which a transaction was logged, against a target of twelve — roughly three times a week.
(snapshot_coverage × 0.6 + transaction_coverage × 0.4) × 15
The five selftickr labels map directly onto score bands: Compounding at 90 and above, Building at 75, Steady at 50, Cooling at 25, and Under pressure below 25.
| Label | Score | What it describes |
|---|---|---|
| Compounding | 90–100 | Strong growth, low volatility, consistent logging. |
| Building | 75–89 | Clear upward movement with room in one or two components. |
| Steady | 50–74 | Holding position, or growing slowly. |
| Cooling | 25–49 | Momentum has dropped off relative to the previous month. |
| Under pressure | 0–24 | Net worth fell over the period, or there is very little data. |
The vocabulary is deliberate. An earlier version of this product used market language — Strong Buy through Sell — and it was removed. Telling a person their finances are a “Sell” is directive language about their personal situation dressed up as a data point, and no disclaimer cures that. These five words describe what the last thirty days did and stop there.
A selftickr account shows no rating until it has 7 days of real recorded closing values or at least one logged transaction, because a score computed on a single day of data measures the absence of history rather than anything the account holder did.
Two of the four components — consistency and completeness — penalise a short history by construction, so a brand-new account scores low no matter how well the person is actually doing. An earlier build rated a day-old account at roughly 33 out of 100 and labelled it the worst rung on the scale, in red, beside a chart with one point on it. The product’s first impression was telling somebody who had done nothing wrong that they were failing.
Two protections now apply. While the rating is locked, no label, score or breakdown is shown at all — only the number of days remaining. And for the first 7 days of an account’s life, a negative label is floored to Steady even once the grade appears, because a low score at that age reflects missing data rather than a decline.
A thirty-day window is short. One house purchase, one tax bill or one bonus dominates the growth component and drags the rating with it, which is correct as a description of the month and misleading as a description of the year.
Because every figure is entered by hand, the rating measures what you told it. A person who updates their account every day and a person who updates it twice a month are not being measured on the same thing, which is why completeness carries weight at all — not to nag, but because a sparse account produces a score that means less.
And the rating is not a benchmark against a population. If you want to know where your net worth sits relative to other households, that is a different question with a different answer, and published survey data is the right tool for it.
selftickr turns your net worth into a stock — a symbol, a daily change, a rating and a chart. Manual entry, no bank connection, private until you decide otherwise.
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