Freedom Score Explained: What Does -100 to +100 Actually Mean?

# Freedom Score Explained The Freedom Score is a single number between -100 and +100 that summarises your current position on the path to financial independence. It is not a credit score. It is not a portfolio return. It is a measure of how structurally prepared your finances are for independence. ## Three Components **FI Progress (largest weight):** How much of your financial independence corpus have you accumulated? This compares your current net investable assets against the target corpus needed to sustain your lifestyle indefinitely at a 3.5% safe withdrawal rate. **Compounding Quality:** Is your money working hard? This scores your return profile — portfolio-weighted expected returns, asset diversification, and whether you are in tax-efficient instruments. **Resilience:** How durable is the plan? Emergency fund coverage, insurance adequacy, debt levels, and income stability factor here. ## The Tier System | Score | Tier | |-----------|-------------| | -100 to -40 | Survival | | -40 to -10 | Stability | | -10 to +20 | Security | | +20 to +50 | Independence | | +50 to +70 | Freedom | | +70 to +85 | Sovereignty | | +85 to +100 | Legacy | ## SFS vs AFS Self-reported Freedom Score (SFS) is computed from data you enter. Audited Freedom Score (AFS) is the same computation, but an affiliated advisor has verified the underlying data against uploaded documents. AFS carries a double-border badge.