Budget Credit Score

How are you really doing with money? The Budget Credit Score distills your habits into a single 0–850 number that climbs as you build healthy routines — and it's completely private to you.

What your score measures

Your score blends the behaviors that actually matter for financial health: paying bills on time, keeping a healthy savings rate, sticking to your budget, and showing up consistently.

✓Bills and obligations paid on time
✓Savings rate (aiming for 20%+)
✓Budget adherence across categories
✓Consistency — your daily streak

Private by design

This is not a bank or credit-bureau score. It never touches your CIC record and isn't shared with lenders. It exists only to motivate you and show progress month over month.

Gamified so it sticks

Watch the number rise as you pay bills, hit your savings goal, and finish months in the green. Streaks, XP, and achievement badges turn good habits into a game you want to keep playing.

Frequently asked questions

Does this affect my real credit score?

No. The Budget Credit Score is entirely internal to BudgetPH. It is never reported to any credit bureau or lender.

How do I raise my score?

Pay bills on time, save at least 20% of your income, stay within your budget, and keep a daily streak. The score updates as you go.

Is it available on the Free plan?

Yes — the Budget Credit Score, streaks, XP, and badges are all included for free.

How-to guides

How to set up your first budget in BudgetPH →