WellFiLabMeasure What Matters.

How it's calculated

The WellFiLab Score, in full

Every formula, weight, and assumption behind your score — no black box. This is a rule-based model reflecting general, published health and financial research, computed entirely from the numbers you enter. It is not a medical or financial diagnosis.

Scoring methodology v2 · Last updated 17 Jul 2026

🧮 The four dimensions

Body, Mind and Wealth each start at 100 points and lose points for every factor below that falls short of a healthy reference range. Life blends the three. Overall blends all four.

Overall

Body×28% + Mind×28% + Wealth×28% + Life×16%

Life

(Body+Mind+Wealth)×30% each + a balance bonus (10%) that shrinks the further apart your three scores are

The balance term exists because one severely lagging area tends to drag down the others in real life — a very high Wealth score next to a very low Body score scores lower on Life than three evenly-matched scores at the same average, on purpose.

💪 Body score factors

FactorRulePoints
BMIUnder 18.5 or over 30 / 25–30−20 / −10
SleepEach hour below 7.5h/night−8 / hour
ExerciseEach day below 4 days/week−5 / day
Diet qualityEach point below 5/5 self-rating−4 / point
HydrationBelow 80% of weight × 0.033L/day−5
AgeEach year over 40, capped−0.3 / yr, max −8

Clamped to a 10–98 range after all deductions.

🧠 Mind score factors

FactorRulePoints
Stress levelEach point above 1/10−7 / point
Sleep (mental load)Under 6h / 6–7h per night−20 / −10
Debt loadOver 3× / 1–3× annual income−15 / −7

Clamped to a 10–98 range. Sleep and debt each affect Mind separately from how they affect Body and Wealth — the same real-world factor genuinely costs you in more than one place.

💰 Wealth score factors

FactorRulePoints
Savings rateUnder 20% / 10% / 0% / negative−10 / −20 / −30 / −40
Emergency fundDon't have one−20
InsuranceDon't have health insurance−10
Investment rateUnder 20% / 10% / any / none of income−10 / −18 / −25
Debt loadOver 5× / 2–5× annual income−15 / −8

Clamped to a 10–98 range.

💸 Health cost estimates

The ₹/year figures shown alongside your score (sleep deficit cost, stress cost, BMI-related cost, exercise savings) are directional estimates, not measured facts:

Sleep deficitHours short of 7.5 × 2.4% of incomeper year
High stress(Stress−5)/5 × 18% of income, if stress ≥ 6per year
BMIFlat estimate if BMI over 25 / 30₹18K / ₹35K
ExerciseFlat saving if 3+ / 1+ days a week₹24K / ₹12K

The 2.4%/hour and 18% figures are simplified assumptions applied to your real income, in the general direction of published sleep/stress-and-productivity research — treat them as a reason to take the underlying habit seriously, not a precise bill. We do not cite a specific study for the exact percentages, because we don't have one we can stand behind as precise.

📈 Life trajectories

The three "your life, three ways" projections compound your current savings and a monthly SIP forward to age 60:

Current

Your real SIP amount, 12% assumed annual return

Improved

SIP raised to 15% of income (if higher than current), 12% return

Optimal

SIP at 25% of income, 14% assumed return

Existing savings compound at the same assumed rate as the SIP — not added as a flat, un-invested lump sum. 12%/14% are illustrative long-run equity-market assumptions, not a guarantee; real returns vary year to year and can be negative in any given year.

⚖️ How you compare

"How you compare" on your results page shows a score band (Critical / Needs Work / Average / Good / Excellent) and, where you have history, your change vs. your first and best assessments. We do not claim to compare you against other WellFiLab users or an age cohort — we don't collect or aggregate real user score data today, so we won't present a percentile as if we did.

🔒 Your data

Your score, inputs, and history are stored only in your browser's local storage on this device. Nothing is sent to a server or shared. Clearing your browser data or switching devices loses your history — there is no account-wide sync today.

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