How does the Boshhh Money App calculate my affordability?

We use Open Banking to securely analyse your income, spending, and debt levels to generate your personalised affordability score.

Download app

Start building your credit from just £19.99 per month

Trustpilot

What is your affordability score?

Q: What is an affordability score?

An affordability score shows what you can safely afford each month based on your income, essential spending, and debts.

Q: Why is affordability important when applying for credit?

Lenders assess affordability to ensure you can repay loans. A strong score helps prevent overborrowing and supports better financial decisions.

Q: Is my affordability score the same as my credit score?

No — credit scores looks at your borrowing history, while affordability scores show your current ability to manage payments and expenses.

Q: Will checking my affordability score affect my credit rating?

No, checking your affordability score with the Boshhh Money App does not impact your credit score rating.

Understand what you can safely afford each month based on your real income and spending.

See your score in the app

A smartphone displaying an app interface with a circular progress gauge and various user metrics below it.

A cute purple character with a round black face and large white eyes, sitting against a gray background.

Trustpilot

What is your affordability score?

Understand what you can safely afford each month based on your real income and spending.

See your score in the app

Affordability means knowing what you can afford

Affordability is about making smart financial decisions every day. It's understanding how much you can spend without stretching your finances too thin.

Lenders look at your affordability to make sure you can comfortably repay what you borrow. Boshhh makes this process transparent and easy to understand.

Affordability is about making smart financial decisions every day. It's understanding how much you can spend without stretching your finances too thin.

Lenders look at your affordability to make sure you can comfortably repay what you borrow. Boshhh makes this process transparent and easy to understand.

What goes into your score?

Your score is calculated using real financial data to give you an accurate picture.

Income

Your regular earnings from all sources

Income

Your regular earnings from all sources

Income

Your regular earnings from all sources

Income

Your regular earnings from all sources

Essential spending

What you need for bills and necessities

Essential spending

What you need for bills and necessities

Essential spending

What you need for bills and necessities

Essential spending

What you need for bills and necessities

Disposable income

Money left after essential expenses

Disposable income

Money left after essential expenses

Disposable income

Money left after essential expenses

Disposable income

Money left after essential expenses

Debt-to-income ratio

How your debts compare to your income

Debt-to-income ratio

How your debts compare to your income

Debt-to-income ratio

How your debts compare to your income

Debt-to-income ratio

How your debts compare to your income

Why affordability is key to financial health

Understanding your affordability helps you make better financial decisions.

Avoid borrowing too much

Know your limits and avoid taking on debt that could cause financial stress.

Avoid borrowing too much

Know your limits and avoid taking on debt that could cause financial stress.

Avoid borrowing too much

Know your limits and avoid taking on debt that could cause financial stress.

Avoid borrowing too much

Know your limits and avoid taking on debt that could cause financial stress.

Gives lenders confidence

Lenders are more likely to approve loans when they can see you can afford them.

Gives lenders confidence

Lenders are more likely to approve loans when they can see you can afford them.

Gives lenders confidence

Lenders are more likely to approve loans when they can see you can afford them.

Gives lenders confidence

Lenders are more likely to approve loans when they can see you can afford them.

Helps you plan better

Make informed decisions about big purchases and future financial goals.

Helps you plan better

Make informed decisions about big purchases and future financial goals.

Helps you plan better

Make informed decisions about big purchases and future financial goals.

Helps you plan better

Make informed decisions about big purchases and future financial goals.

The real state of your finances

Get an honest picture of your financial health based on real data, not guesswork.

The real state of your finances

Get an honest picture of your financial health based on real data, not guesswork.

The real state of your finances

Get an honest picture of your financial health based on real data, not guesswork.

The real state of your finances

Get an honest picture of your financial health based on real data, not guesswork.

Trustpilot

Get your affordability score with Boshhh

Boshhh analyses your transactions to calculate an accurate affordability score. Your data is always protected with bank-level encryption, and we never store your login details*

See your score in the app