Score your position out of 100 across six weighted dimensions — buffer, savings rate, debt load, investing, net worth and insurance — and get the two or three changes that would move the number most.
Step 1
Enter your monthly cash flow
Take-home pay, living expenses, total EMIs and what you invest. These four drive most of the score.
Step 2
Add what you have built
Emergency fund, net worth and any high-interest debt. Your age sets the investing target you are measured against.
Step 3
Record your cover
Life and health insurance. This is the dimension people most often score zero on without realising it.
Savings rate
43.3%
The single strongest driver of how quickly wealth compounds.
Emergency cover
4.7 months
Aim for six months of essential outgo before taking on more risk elsewhere.
Six dimensions, each scored 0 to 100 against banded targets, then combined on fixed weights. The weights are front-loaded onto the two things that matter earliest — having a buffer, and saving a meaningful share of what you earn.
Score = Σ (dimension score × weight) ÷ Σ weights
Emergency fund 20 · Savings rate 20 · Debt load 18
Retirement investing 16 · Net worth 14 · Insurance 12Months of essentials covered
Fund ÷ (expenses + EMIs). Full marks near six months, zero at nothing.
Share of income kept
Investments plus surplus, over take-home pay. Eighty points at 20%.
EMIs against income
Scored down as EMIs rise past 30%, with a further penalty for revolving debt.
Investing rate against an age target
The target is 15% under 30, rising to 30% over 50, since a later start needs more.
Against the age benchmark
Net worth ÷ (age × annual income ÷ 10).
Life and health cover
Life scored against ten times income, health against a ₹10 lakh floor, weighted equally.
A composite score is only useful because it comes apart. The per-dimension detail is what tells you which single change moves the number most, and the weights mean a small gap on a heavily weighted item can cost more than a large gap on a light one.
Answers about the financial health score.
Continue exploring adjacent tools in this topic.
Background reading on the ideas behind these numbers.
"Six months of expenses" is a reasonable starting point and a poor answer. The right number depends on how stable your income is, how much of your outgo is fixed, and how many people depend on you — and it is usually larger than people expect.
A sanction letter draws your eye to the interest rate and the EMI. Neither is the number that decides what the loan costs you. Here is what to look at instead, and which clauses are worth negotiating before you sign.
This tool is provided for educational purposes only. Results are estimates based on the values you enter and do not constitute financial advice.