Banking health reads your connected accounts directly and answers one question in several parts: is more money coming in than going out, and what is it doing.
The overall state
A single label for how cash is behaving over the period:
Optimised — comfortably positive.
Balanced — in and out are close.
Leaking — going out faster than it comes in.
Haemorrhaging — going out much faster.
The words are blunt on purpose. A percentage is easy to file away for later; "leaking" is not, and the point of the label is that it gets acted on in the week it appears rather than at the month end.
What is behind it
Cash flow summary — inflows against outflows over the last 30 days, and the total balance across all accounts.
Reconciliation health — how much is matched to your books and how much is not. See unreconciled transactions.
Recurring payments — what repeats, and the monthly total. Usually the largest single recoverable number on the page; see recurring payments.
Top spending categories — where the outflow actually goes, which is frequently not where an owner would guess.
Upcoming seven days — what is due imminently. Read this before making any commitment, because a comfortable balance and a heavy week ahead is the situation that catches people.
Read the direction, not the day
One period can be distorted by a single large payment or a customer paying late. The state label describes the window it covers, not a permanent condition.
Two consecutive periods in the same direction is the first real signal. Reacting to one is how a business changes something that was working.
Where this fits
Your books tell you what was recorded. This tells you what the bank did. They differ legitimately and the gap is itself useful — see real cash balance.