Proprietary Score — Not a Credit Score

Financial Reputation Score

Your FRS is the number that shows how your full financial life is performing right now — and whether it's getting better. 0–1,000. Built for you, not lenders.

Your information

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Debt Momentum

Lane 1 — Debt Elimination

Current total debt balance ($)

Total debt last month ($)

Optional — skip if this is your first calculation

Extra payments above minimums this month ($)

Did you add any new debt this month?

Roughly what % of your debt is high-interest (credit cards)?

50%

Savings Integrity

Lane 4 — Emergency Savings

Emergency fund — how many months of expenses covered?

Monthly savings rate (% of income)

Consecutive months you've saved something

Spending Integrity

Lane 2 — Budgeting & Cash Flow

Do you actively track your spending?

Are you aware of all your active subscriptions?

Credit Trajectory

Lane 3 — Credit Repair & Building

Current credit score

Optional — skip if unknown

Credit card utilization

30%

Any missed payments in the last 3 months?

Financial Momentum

All Lanes — Engagement & Momentum

Measures how consistently you're showing up — Freedom Number movement, plan follow-through, and engagement with your financial goals.

Consecutive weeks actively working your Krepis plan

Lane milestones completed so far

All dimension fields are optional. More data = more accurate score. Your score is never compared to other users — only to your own previous score.