What is the flame on the Overview screen?
A rating of up to three money habits, each scored against a UK rule-of-thumb benchmark.
Updated 30 September 2026
The flame at the top of your Overview rates up to three money habits. Each habit earns up to 100 points for how close it is to its benchmark, and the points are combined, weighted as below, into one score out of 100.
| Habit | What it measures | Benchmark | Weight |
|---|---|---|---|
| Savings rate | What's left of your income after spending | 20% of income | 40% |
| Emergency fund | How many months of regular costs your rainy-day savings would cover | 3 months | 35% |
| Credit utilisation | How much of your credit card limits you're using | Under 30% | 25% |
Credit utilisation only counts if you've added a credit card. Without one, the other two habits share its weight.
The three flames
- Safety flame: a score under 55.
- Warming up: 55 to 84.
- Full heat: 85 or more.
A habit that's in real trouble holds the flame at Warming up, however good the others are. See why your flame might be stuck at Warming up.
How each habit is measured
- Savings rate compares your income with what you actually spent over your last three complete months of imported transactions. Until you've imported a statement, it's estimated from your plan: your savings and investment lines plus whatever's left over. An estimate can't take the flame past Warming up.
- Emergency fund counts savings accounts tagged Emergency Fund. If none are tagged, it counts your easy-access savings instead (Everyday/Easy-Access, Savings and Cash ISA accounts). It's compared with your planned monthly costs, leaving out savings and investment lines.
- Credit utilisation adds up the balances and limits of the credit cards in Loans/Credit.
Tip
Tap the i on the flame card to see each habit's figure, how many points it scored, and what would move it.