Abstract: A computing system can initially receive client data of a client of the financial health service. Using the client data, the system generates an individualized action plan and a financial health score for the client. The system further receives, in real-time, financial update data indicating changes to a financial situation of the client. In response to receiving the financial update data, the system updates the individualized action plan and the financial health score for the client. Thereafter, the system may receive a financial health request from a transaction entity with which the client transacts, and based at least in part on the financial health request, the system can transmit the updated financial health score to the computing device of the transaction entity.

Abstract: A computing system can receive client data and financial updates to generate personalized balance sheets and individualized action plans for clients of a financial assistance service. The system can link to data sources to detect changes in real-time to each client's financial situation, such as purchase information, received income, and payments. In response to each change, the computing system can update the balance sheet and action plan to facilitate the client in achieving milestones toward a set of overall goals.