Financial Health Checkup
Five real numbers about your finances, reduced to one score out of 100 — and exactly which of the four things behind it is actually holding you back. Nothing vague, nothing hidden.
Your score
59/100
Needs Improvement
Disclaimer: This score is an illustrative model based on common financial-planning benchmarks, not personalized financial advice.
How this is computed
25 points each, published so it's auditable rather than a black box. Savings rate: 20%+ scores full marks, stepping down to 0 if you spend more than you earn. Emergency fund: scales linearly to full marks at 6 months of expenses covered. Debt-to-income: full marks under 20% of annual income, scaling down to 0 above 50%. Net worth: full marks at 3x annual income or more, 0 at or below zero net worth. The four scores sum to your total out of 100.
What each part of the score tells you
Savings rate is the share of your monthly income left after expenses. It's the engine behind everything else: a high savings rate builds your emergency fund, pays down debt and grows net worth. Saving 20% or more of what you earn scores full marks.
Emergency fund is how many months of expenses you could cover with cash set aside for surprises such as a job loss or a hospital bill. Six months scores full marks. Below that, the score falls in proportion.
Debt-to-income is your total outstanding loans as a percentage of a year's income. It shows how much of your future earnings are already spoken for.
Net worth is everything you own minus everything you owe, compared with your annual income. Reaching three times your annual income scores full marks. Early in a career it's normal to be well below that.
A worked example
The checkup opens with an example: ₹80,000 monthly income, ₹55,000 in expenses, ₹1,50,000 in an emergency fund, ₹8,00,000 in assets and ₹2,00,000 in loans. That person saves 31% of their income (25/25), has 2.7 months of expenses saved (11/25), owes 21% of a year's income (18/25) and gets 5/25 for net worth. The total is 59/100: Needs Improvement.
Their savings habit is already strong. The two quickest gains are topping up the emergency fund towards six months of expenses and letting that savings rate keep building net worth.
How to raise your score
Work on the lowest of the four parts first, since that's where each rupee moves the score most. If your emergency fund is short, park a fixed amount in a savings account or liquid fund every month until it covers six months; the emergency fund calculator gives you a target. If debt is high, clear the most expensive loans first with the debt payoff planner. If your savings rate is low, look at your three biggest monthly expenses before cutting small ones.
Net worth improves on its own once the other three are healthy. Track it every few months with the net worth calculator and see where you stand worldwide with the global net worth percentile. For the habits behind a high savings rate, read the janitor who died with $8 million. Once your base is solid, the investment risk analyzer uses this same score to suggest how much investment risk you can afford.
Common questions
Four categories, 25 points each: savings rate, emergency fund coverage, debt-to-income ratio, and net worth relative to your annual income. The exact rubric is published below — nothing about the scoring is hidden.