The ShockProof indicative score

The score is a simple, transparent summary of your simulated result. It is an indicative, proprietary ShockProof methodology — not a scientifically validated financial rating — and it may change as we refine it.

Every score uses a fixed 12-month scoring window, even when you choose a longer projection for the charts. This keeps scores comparable no matter which projection length you view.

The four components (0–100)

Cash buffer — up to 30 points. How your starting accessible cash compares with three months of your recurring expenses. Three months or more earns the full 30; less earns a proportional share.

Shock survival — up to 35 points. If your cash never goes negative during the 12 months, you earn the full 35. If it does, the points shrink in proportion to how soon the shortfall arrives — a shortfall in the very first month earns none.

Shortfall severity — up to 20 points. If your lowest projected cash balance stays at or above zero, you earn the full 20. Otherwise the points shrink as the deepest deficit grows relative to three months of expenses; a deficit of three months of expenses or more earns none.

Recovery — up to 15 points. If there is no shortfall, you earn the full 15. If there is, this measures how much of the decline from your starting cash to your lowest point has been recovered by month 12.

Classification

70 and above: Strong. 40–69: Moderate. Below 40: Vulnerable.

One extra rule: if your starting accessible cash is less than one month of recurring expenses, the displayed score is capped at 69, so a household with almost no buffer cannot be classified as Strong.

Limitations

The score reflects only the scenario you have selected — change the assumptions and the score changes with them. It looks at accessible cash only: investments are tracked separately and are never assumed to be sold to cover a shortfall. Three months of expenses is a commonly cited emergency fund guide, used here as a reference point rather than a recommendation. The score is general information based solely on the figures you enter, not personal financial advice.