Financial Health Score
Understand your financial health in under 2 minutes. Cash flow (money leaving your account) is separated from wealth-building — full EMI counts as outflow; only a Potential Asset-Building Portion may count toward assets.
Understand your financial health in under 2 minutes — cash flow (money leaving your account) is separated from wealth-building (assets and investments).
1. Income
Monthly take-home income
2. Spending
Living expenses exclude EMI. Full EMI still counts in Total Monthly Cash Outflow.
Insurance premiums, school fees, etc. (optional)
3. Savings & Investments
Recurring investments — separate from lump-sum portfolio value
Mutual funds, stocks, PPF, etc.
4. Net Worth
Assets minus liabilities (single figure for now)
5. EMI Classification
Never treat the full EMI as an investment — only an estimated principal/equity portion is a Potential Asset-Building Portion.
Estimate of principal/equity in the EMI — not interest. Cap at total EMI.
Your Financial Health Score
Good
Constructive check-in — use it to decide the next action, not to panic.
Cash-flow summary
Total monthly cash outflow
₹60,000
Monthly surplus
₹15,000
Savings rate
20.0%
EMI-to-income
20.0%
Total commitment ratio
80.0%
Emergency coverage
2.5 / 6 mo
Potential Asset-Building Portion: ₹6,750/mo (estimate of principal/equity — not the full EMI).
Where your money goes
- Living expenses₹45,000
- EMI₹15,000
- Other mandatory₹0
- SIP / investments₹0
- Cash buffer (surplus after SIP)₹15,000
SIP is shown for allocation insight; surplus is after living, EMI and other mandatory. Commitment ratio also includes SIP.
Score breakdown
20.0% savings rate
2.5 mo of cash outflow
20.0% EMI-to-income
SIP ₹0/mo
₹8,00,000
2.5 mo buffer
Improve your score
Live what-if sliders — they do not change your saved inputs above until you apply them mentally. Target: move toward the next grade band.
What you should do next
- →Grow emergency fund toward 3,60,000 ₹ (6× monthly cash outflow). Gap: ~2,10,000 ₹ — about 2.5 months covered now.
- →Your Potential Asset-Building Portion is ~₹6,750/mo (principal/equity estimate — not the full EMI). Interest still reduces cash flow.
- →Build cash buffer first: emergency fund of 3–6 months of cash outflow before aggressive investing.
About Financial Health Score
Financial Health Score gives a transparent 0–100 style snapshot of cash-flow health versus wealth-building habits for Indian salaried households. It is an educational wellness score — not a credit score and not SEBI-registered advice.
What the score looks at
Typical inputs include income, living expenses (excluding EMI), EMI burden, emergency fund, SIP, and net worth. The model classifies EMI carefully: only a potential asset-building portion of housing EMI is treated as wealth-building — never the full EMI as “investment.”
How to use the result
Read the ratios and the Improve Your Score suggestions. Fix emergency fund and insurance gaps before maximising aggressive SIPs. Re-score after salary changes or large loans.
Limitations
Scores compress complex lives into a few ratios. They ignore behavioural risk, job stability nuance, and local cost-of-living differences unless you adjust inputs honestly.
Related learning guides
Frequently Asked Questions
- What is the Financial Health Score?
- A constructive 0–100 wellness score across Cash Flow, Emergency Fund, Debt Health, Investments, Net Worth and Financial Resilience — separating cash outflow from wealth-building.
- Why are living expenses and EMI separate?
- Both still count in Total Monthly Cash Outflow. Splitting them avoids double-counting and shows whether EMI is consumption debt or asset-linked.
- Is the full EMI an investment?
- No. Only a Potential Asset-Building Portion (estimated principal/equity) may be shown for asset-linked loans. Interest still reduces cash flow.
- How is my score calculated?
- Open “How is my score calculated?” on the page. Each category has documented max points and transparent ratios (savings rate, EMI-to-income, commitment ratio, emergency months).
- What should I fix first if my score is low?
- Usually cash surplus and emergency fund (3–6 months of cash outflow), then high EMI-to-income, then raising monthly SIP.