Secure account connection.
Connect supported brokerage, IRA and retirement accounts through an aggregation provider. Import balances, holdings and transactions without giving HUSLLYFE trading authority.
API
Wealth Engine
Connect. Measure.
Compound.
The Wealth Engine separates contributions from investment performance so the HUSLLYFE dashboard measures actual wealth creation rather than simply reporting an account balance. Edit any number — it's live.
Wealth Command Center
Total Invested Wealth
$0
Computed live from the Investment Accounts ledger →
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WEALTH SCORE
Graded on what you decide — how much goes in, and whether it keeps going in. Not on what the market did.
Your income sets the scale. Your monthly figure is the bar you are asking to be held to. The savings target starts at the standard 15% of gross and you can raise it — not lower it, because 15% is a published guideline the way 150 min/wk is for cardio. Raise it and Savings Rate gets harder, which is the point: a flat 15% pegs at 100 forever once you earn well. The third sizes your emergency fund, so cash up to it is never charged as idle money — left blank it falls back to the $1,500/month floor described at the foot of this page. All three are yours to change, and each meter is shown separately so you can tell "aiming too low" apart from "not hitting the aim".
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Context — reported, not graded
Your return against a benchmark. Worth knowing, and almost entirely outside your control, so it does not enter the score — the same way Body shows direction under each meter without letting it into the grade.
Contributions (lifetime)
Investment Gain—
Total Return—
Dividend Income
Years Invested
How It Went In
Annualized Return—
Benchmark Return %
vs Benchmark—
WEALTH SCORE =
(Savings Rate × 0.35) + (Consistency × 0.30) +
(Invested Share × 0.20) + (Cost Drag × 0.15)
(Savings Rate × 0.35) + (Consistency × 0.30) +
(Invested Share × 0.20) + (Cost Drag × 0.15)
YOUR DATA, YOUR DEVICE.
Income, contributions and balances stay in this browser — nothing is uploaded, no account is required and nothing is connected to a bank or broker. HUSLLYFE visualizes progress; it is not financial advice.
Income, contributions and balances stay in this browser — nothing is uploaded, no account is required and nothing is connected to a bank or broker. HUSLLYFE visualizes progress; it is not financial advice.
HUSLLYFE Score
—Overall
Drive / Net Worth
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Target
≤15%
≤15%
Investment Accounts$0
Tap CASH on anything that is savings rather than invested. ER is the fund’s expense ratio — 0.04 for a total-market index fund, and every invested account needs one before Cost Drag will score.
Manual Assets$0
Tap CASH on savings and reserves. Illiquid assets — a house, a business — stay unflagged and sit outside Invested Share entirely.
Contribution Log
What actually went in.
The Wealth twin of the training log. A balance tells you where you ended up; this tells you whether you kept showing up. Log a deposit whenever you make one — payroll, transfer, bonus, anything.
Log a Contribution
Nothing logged yet. With your income and commitment set above, that reads as a real 0 rather than a blank — you have contributed nothing so far.
Contribution window = 365 days | Savings target = 15% of gross, or higher if you set it
Expense-ratio target = 0.20% | Emergency fund = your spend × your months
SAVINGS RATE = (contributed in the window, annualised) / income / target × 100
CONSISTENCY = contributed / (monthly commitment × months logging) × 100
INVESTED SHARE = (1 − excess_cash / liquid) × 100
where liquid = invested accounts + everything flagged CASH
and excess_cash = max(0, cash − monthly spend × months)
monthly spend is floored at $1,500 — see the note in the footer
COST DRAG = 100 at or under 0.20%, falling linearly to 0 at 1.20%
on the VALUE-WEIGHTED expense ratio of your invested accounts
WEALTH SCORE = (Savings Rate × 0.35) + (Consistency × 0.30) +
(Invested Share × 0.20) + (Cost Drag × 0.15)
All capped at 100. An input with no data does not score zero and does not
get a default — its weight is redistributed across the others.
GREY vs ZERO. A gauge goes grey only when the thing it measures AGAINST
is missing: no income, no commitment, no accounts. Once that bar exists
the gauge starts at 0 and counts up, exactly like Body's logged inputs.
An empty month is a real month in which nothing was contributed — not
an absence of information — and it is scored as one.
WHY NOT RETURNS. Until 21 Aug this engine scored return against an 8%
benchmark, so 50 meant "matched the market" and 90 meant "beat it by
four points a year, every year". Body and Drive grade something else:
did you keep the commitment you set, did you service the car — both
inside your control, both paying out in the 90s for ordinary good
behaviour. Averaging an effort score with an outcome score assumes 70
means the same thing in each. It did not. Someone training as promised,
running one sensible car and holding an index fund that returned exactly
the market average scored BODY 89 / WEALTH 50 / DRIVE 100 — and the
composite told him his money was the problem. Nothing about him needed
fixing. Returns are mostly not yours to decide. These four are.
THE TWO BARS. Savings Rate is measured against a share of gross;
Consistency against the monthly figure you committed to. Together they
separate "aiming too low" from "not hitting the aim", which one number
cannot do.
THE TARGET STARTS AT THE GUIDELINE and can be raised, never lowered.
15% of gross is a published standard, the same kind of thing as 150
minutes of cardio a week, and Body does not let you talk that one down
either. It became settable because a flat 15% goes deaf at the top:
somebody saving 25% of $400,000 and somebody saving 15% of $150,000
both peg at a permanent 100, so the heaviest input in this engine
stops moving for anyone who earns well. Raise your target and the
gauge has somewhere to go again.
THE DENOMINATOR counts months since your FIRST logged contribution,
capped at twelve — not a flat twelve. Body can use a fixed 28-day window
because a new user catches up inside a month; billing someone twelve
months of misses for a log they started in March is a different thing.
It does not soften when you slack: once a month has passed it stays in
the denominator, so a miss still costs you. It just does not charge you
for months before you began. Under a full year the rate is annualised
and labelled provisional.
CASH IS TWO FAILURES, ONE METER — so only one of them is graded here.
Cash beyond your emergency fund is money that decided not to work, and
Invested Share charges for it. Cash BELOW the fund is the opposite risk,
and folding it into the same number would make one meter mean two
contradictory things, so a shortfall is reported under the meter as
context instead. Illiquid holdings — a house, a business — are excluded
from both sides: the question is whether the money you could deploy is
deployed, and home equity is not deployable.
COST DRAG NEEDS EVERY ACCOUNT. A weighted average over only the accounts
you bothered to look up is the same hole the Garage had, where one
logged oil change certified a service schedule nobody had recorded: fill
in the cheap index fund, leave the expensive managed account blank, and
score a clean 100. Partial data yields no score at all, and the meter
names what is missing.
RETURN vs BENCHMARK is still computed and still shown, as context, never
as a grade — the same treatment Body gives direction under each meter.
Expense-ratio target = 0.20% | Emergency fund = your spend × your months
SAVINGS RATE = (contributed in the window, annualised) / income / target × 100
CONSISTENCY = contributed / (monthly commitment × months logging) × 100
INVESTED SHARE = (1 − excess_cash / liquid) × 100
where liquid = invested accounts + everything flagged CASH
and excess_cash = max(0, cash − monthly spend × months)
monthly spend is floored at $1,500 — see the note in the footer
COST DRAG = 100 at or under 0.20%, falling linearly to 0 at 1.20%
on the VALUE-WEIGHTED expense ratio of your invested accounts
WEALTH SCORE = (Savings Rate × 0.35) + (Consistency × 0.30) +
(Invested Share × 0.20) + (Cost Drag × 0.15)
All capped at 100. An input with no data does not score zero and does not
get a default — its weight is redistributed across the others.
GREY vs ZERO. A gauge goes grey only when the thing it measures AGAINST
is missing: no income, no commitment, no accounts. Once that bar exists
the gauge starts at 0 and counts up, exactly like Body's logged inputs.
An empty month is a real month in which nothing was contributed — not
an absence of information — and it is scored as one.
WHY NOT RETURNS. Until 21 Aug this engine scored return against an 8%
benchmark, so 50 meant "matched the market" and 90 meant "beat it by
four points a year, every year". Body and Drive grade something else:
did you keep the commitment you set, did you service the car — both
inside your control, both paying out in the 90s for ordinary good
behaviour. Averaging an effort score with an outcome score assumes 70
means the same thing in each. It did not. Someone training as promised,
running one sensible car and holding an index fund that returned exactly
the market average scored BODY 89 / WEALTH 50 / DRIVE 100 — and the
composite told him his money was the problem. Nothing about him needed
fixing. Returns are mostly not yours to decide. These four are.
THE TWO BARS. Savings Rate is measured against a share of gross;
Consistency against the monthly figure you committed to. Together they
separate "aiming too low" from "not hitting the aim", which one number
cannot do.
THE TARGET STARTS AT THE GUIDELINE and can be raised, never lowered.
15% of gross is a published standard, the same kind of thing as 150
minutes of cardio a week, and Body does not let you talk that one down
either. It became settable because a flat 15% goes deaf at the top:
somebody saving 25% of $400,000 and somebody saving 15% of $150,000
both peg at a permanent 100, so the heaviest input in this engine
stops moving for anyone who earns well. Raise your target and the
gauge has somewhere to go again.
THE DENOMINATOR counts months since your FIRST logged contribution,
capped at twelve — not a flat twelve. Body can use a fixed 28-day window
because a new user catches up inside a month; billing someone twelve
months of misses for a log they started in March is a different thing.
It does not soften when you slack: once a month has passed it stays in
the denominator, so a miss still costs you. It just does not charge you
for months before you began. Under a full year the rate is annualised
and labelled provisional.
CASH IS TWO FAILURES, ONE METER — so only one of them is graded here.
Cash beyond your emergency fund is money that decided not to work, and
Invested Share charges for it. Cash BELOW the fund is the opposite risk,
and folding it into the same number would make one meter mean two
contradictory things, so a shortfall is reported under the meter as
context instead. Illiquid holdings — a house, a business — are excluded
from both sides: the question is whether the money you could deploy is
deployed, and home equity is not deployable.
COST DRAG NEEDS EVERY ACCOUNT. A weighted average over only the accounts
you bothered to look up is the same hole the Garage had, where one
logged oil change certified a service schedule nobody had recorded: fill
in the cheap index fund, leave the expensive managed account blank, and
score a clean 100. Partial data yields no score at all, and the meter
names what is missing.
RETURN vs BENCHMARK is still computed and still shown, as context, never
as a grade — the same treatment Body gives direction under each meter.
Data Connections
One dashboard.
Every input.
HUSLLYFE is designed around read-only financial connections first. Manual entry remains available for assets that cannot be linked automatically — and in this prototype, is the only way in.
Capture what APIs miss.
Add real estate, private businesses, cash, crypto, vehicles and other assets manually. Each asset can have a value, date and optional update schedule.
NET
Snapshot the proof.
Create daily or periodic wealth snapshots so the dashboard can show contribution trends, investment performance, income and long-term compounding.
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