The free BrickScore
A BrickScore is MoneyBricks' free educational score of personal Financial Strength on a 300–900 scale across seven weighted dimensions. It is not a credit score, is not reported to bureaus, and does not require linking a bank account.
Free · Not a credit score · No credit card · No bank connection required · 21 questions, about 5 minutes
Your BrickScore
Illustrative exampleMeaningful progress with specific gaps.
- Stability
- Resilience
- Protection
- Growth
- Flexibility
- Direction
- Behavior
Your next brick: resilience. Build a one-month emergency cushion before the next surprise bill decides for you.
Seven dimensions, one score
One number on a 300–900 scale, built from seven dimensions that are not weighted equally. Brix uses it to start your plan where the impact is greatest.
not a credit score
Stability
Can everyday money run without a monthly scramble?
Resilience
Could you take a hit, like a layoff or a breakdown, and stay standing?
Protection
Are your people and what you've built actually covered?
Growth
Are your income and savings set up to climb over time?
Flexibility
How many real choices does your money give you?
Direction
Is the money pointed at the life you're building?
Behavior
Do you follow through automatically, on a rhythm?
Not all seven count the same
Most scores average everything and call it a number. The BrickScore weights each dimension by how much it actually moves your financial strength, so a thin emergency fund counts for more than a tidy budget. Here is how much each one counts toward your score.
- Stability20%
- Resilience20%
- Protection15%
- Growth15%
- Flexibility10%
- Direction10%
- Behavior10%
The BrickScore is educational. It’s not a credit score, it isn’t reported anywhere, and it never affects your credit.
BrickScore vs credit score
They measure different things. A credit score tells lenders how you handle borrowing. A BrickScore shows how strong your money is overall.
| Question | BrickScore | Credit score |
|---|---|---|
| Purpose | Shows your overall Financial Strength and where to start | Helps lenders judge how likely you are to repay |
| Who uses it | You, and Brix to plan your next step | Lenders, and some landlords and insurers |
| What it measures | Seven dimensions of your money, from Stability to Behavior | Your borrowing history: payments, balances, account age |
| Scale | 300–900 | Depends on the scoring model |
| Reported to credit bureaus | No | Built from credit bureau reports |
| Affects your credit | No | It is your credit standing |
Your BrickScore is where Brix, your AI Financial Strength Coach starts. You can also start learning the money basics or compare MoneyBricks to other money systems.
BrickScore FAQ
Is the BrickScore a credit score?
No. It's educational, isn't reported anywhere, and never affects your credit.
Does taking the BrickScore Assessment hurt my credit?
No. The BrickScore isn't reported anywhere and never affects your credit.
Do I need to link my bank account?
No. No bank connection and no credit card are required.
How long does it take?
21 quick questions, about 5 minutes.
What are the seven dimensions?
Stability 20%, Resilience 20%, Protection 15%, Growth 15%, Flexibility 10%, Direction 10%, Behavior 10%, on a 300–900 scale.
What happens after I get my score?
You're placed on one of five Building Stages, from Financial Safety to Financial Legacy. Brix uses the score to start your plan where the impact is greatest.
How the BrickScore is calculated (method fsi-1.2.0) · See the Building Stages
Find out where your paycheck is going and what to do next.
Free · Not a credit score · No credit card · No bank connection required · 21 questions, about 5 minutes
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