Zeno FinLab Plus
Financial Compass: what your figures point at
Compass reads the results you already have — your surplus, buffer, borrowing costs and income mix — and sets out what stands out. Calculated first, explained plainly, with nothing recommended.
Your reading
Compass is included with Zeno FinLab Plus at €9.90/month. Sign in to an account with active Plus access to use your reading.
Questions
Frequently asked questions
The Compass is a plain reading of your Healthcheck results. It is designed to help you see which parts of your financial position stand out, based only on the figures you entered. No AI is used to produce this reading.
What it considers
It looks at the same six dimensions as the Healthcheck score: cash buffer, debt cost, debt payments, monthly surplus, leverage and income concentration. Each is ranked by its factor score.
How to read the output
The two lowest-scoring dimensions are shown as potential areas of attention, and the highest-scoring one is shown as a strength when it scores 70 or above. Each item includes the underlying figure, so you can see exactly why it was selected.
Hypothetical example
Someone with cash covering 1.5 months of spending and 30% of income going to debt payments would likely see "Cash buffer" and "Debt payments" listed first, because those factor scores are lowest. If none of their income depended on a single source, "Income concentration" could appear as a strength.
Important limitations
- The Compass is an educational analytical tool, not personalised financial advice.
- It ranks factors against fixed thresholds and does not know your goals or priorities.
- Its reading is only as reliable as the figures entered in the Healthcheck.