Financial Health Score

Get your 0-100 financial wellness score

Enter Your Details

Income & Expenses
₹10K₹10L
₹5K₹5L
Savings & Emergency
₹0₹50L
₹0₹5L
Debt
₹0₹5L
Insurance
₹0₹5 Cr
₹0₹50L
Retirement
18 Years65 Years
₹0₹10 Cr

Your Financial Health

59DNeeds Work0100
Your Score

59/100

Grade: D — Needs Work

Strongest Pillar

Debt-to-Income

14/15 pts

Weakest Pillar ⚠

Term Insurance

3/10 pts

Investment Rate

15.0%

Target: 20% of income

Score Composition

Emergency Fund
12/20
Investment Rate
19/25
Debt-to-Income
14/15
Term Insurance
3/10
Health Insurance
5/10
Retirement
6/20

Score Breakdown

Emergency Fund
12/20
Investment Rate
19/25
Debt-to-Income
14/15
Term Insurance⚠
3/10
Health Insurance
5/10
Retirement
6/20

Top Recommendations

1

Term Insurance

Get term cover of ₹1.80 Cr

2

Retirement

Target retirement corpus of ₹24.75 L

3

Health Insurance

Increase health cover to ₹10L

About Financial Health Score

Your Financial Health Score evaluates 6 key pillars of personal finance: Emergency Fund (20 pts), Investment Rate (25 pts), Debt-to-Income Ratio (15 pts), Term Insurance (10 pts), Health Insurance (10 pts), and Retirement Progress (20 pts). A score of 80+ indicates strong financial health, while below 40 signals areas needing urgent attention.

Benchmarks: 6 months emergency fund, 20% investment rate, DTI below 35%, 15x annual income term insurance, ₹10L health cover, and age-appropriate retirement corpus (25x annual expenses at 60). India-specific: Accounts for Indian financial products, tax-saving instruments (PPF, NPS, ELSS), and cost-of-living variations across metro and tier-2 cities.