Financial Health Score
Get a 0-100 score across six money dimensions.
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How this is calculated
We score six dimensions of your money life — emergency fund, insurance, debt, savings rate, asset allocation, and goal clarity — each from 0 to 100, then weight them into a single score. It's a directional health check, not a substitute for personalised advice.
Why six dimensions?
Financial health is more than savings — protection, debt, and allocation matter just as much. A balanced view highlights the weakest link to fix first.
What's a good score?
Above 80 is strong, 60–80 is solid with room to improve, and below 60 means a few high-impact fixes can help a lot.
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What the score measures
The checkup grades six dimensions of your money life and blends them into one 0–100 score: your emergency fund (months of expenses covered), insurance protection (life and health cover versus what your family needs), debt load (EMIs as a share of income), savings rate, investing habit (regular, goal-linked investing versus idle cash), and goal clarity. No single dimension can carry the score — which is the point: real financial health is the absence of a weak link, not one impressive number.
How to read your score
Above roughly 70, your fundamentals are in place and the game is optimisation. Between 50 and 70, you are on the way but one or two dimensions need attention. Below 50, don’t panic — the score almost always reflects one or two specific gaps, not general failure. Fix the weakest link first, in this order: emergency fund, then adequate term cover, then high-interest debt, and only then accelerate investing — a SIP built on a shaky base gets redeemed at the first emergency.
Frequently asked questions
What is a good financial health score?
Above roughly 70 means the fundamentals — emergency fund, insurance, controlled debt, regular investing — are in place. Below 50 usually signals one or two urgent gaps rather than general failure.
How big should my emergency fund be?
Three to six months of essential expenses in liquid form — savings, sweep-in FDs or liquid funds. Single-income families and business owners should lean toward six or more.
Should I invest while I still have loans?
Clear high-interest debt (credit cards, personal loans) before serious investing — no fund reliably beats an 18–36% interest cost. Low-cost loans like a home loan can run alongside SIPs.
Is my data stored when I use this tool?
The score is computed from what you enter and is not tied to your identity unless you choose to email yourself the report. Nothing is sold or shared.
These calculators provide estimates for educational purposes only and are not personalized investment advice. Mutual fund investments are subject to market risks.