Methodology

Zeno FinLab uses deterministic formulas for every core number. AI can explain results only; it cannot calculate or change them.

Net worth and monthly position

Net worth is total assets minus total liabilities. Monthly surplus is income minus living costs and debt payments. Debt payments should not also be entered as spending.

Financial Health Score

The score is the arithmetic average of six equally weighted factors. Each contributes one sixth: savings rate, emergency buffer, debt service, asset return versus debt cost, leverage, and income diversity.

• Savings rate scales from 0 at 0% to 100 at 25%.
• Emergency buffer scales from 0 to six months of spending.
• Debt service scales from 0 at 40% of income to 100 at 15% or less.
• Asset return versus debt cost scales across a −5 to +5 percentage-point gap.
• Leverage scales from 0 at debt equal to 80% of assets to 100 at 20% or less.
• Income diversity reaches 100 when no source provides more than half of income.

Why these factors?

Together, the six dimensions describe complementary parts of financial resilience: the capacity to save, withstand disruption, service debt, earn more on assets than borrowing costs, avoid excessive leverage and reduce reliance on one income source. No single factor is treated as a complete view, which is why the score combines all six equally.

Debt stress and projections

Debt stress combines debt-service pressure, surplus, emergency buffer, interest rate, credit type, payment concentration and whether payments cover interest. The ten-year illustration assumes entered income growth, 2.5% annual spending growth, current asset returns, positive surplus added to assets and scheduled debt payments reducing debt.

Savings, cashflow and scenarios

The Savings Plan uses the selected annual nominal return compounded monthly. Cashflow projects twelve months from current recurring figures and user-entered events. What If? works on a copy of the baseline and does not overwrite it.

Tax and property estimates

The Zeno FinLab Cyprus Tax Intelligence Lab applies the selected year’s configured rules to the figures entered. Residency is assessed from the information provided against the applicable Cyprus criteria and is not determined by a single day count alone. Income and bands are not automatically prorated. Property estimates are AI-generated indications, not professional valuations, and never replace entered asset values automatically.

Read the Data & Security page and seek licensed professional advice before making decisions.