12 questions · 3 minutes

Money Health Check

Twelve questions, three minutes, your full financial health audited across six dimensions. No signup. No data shared. Just maths.

About you

Age

years

Number of financial dependentsSpouse + kids + parents you support

people

When do you plan to retire?

years old

Cash flow

Monthly take-home incomeAfter tax and PF, what hits your account

₹

Monthly essential expensesRent, utilities, groceries, fuel, school fees

₹

Total monthly EMI paymentsHome + car + personal + card EMIs combined

₹

Monthly SIP / investment amount

₹

Safety net

Emergency fund (liquid cash)Money you can pull within 24 hours

₹

Term life insurance cover0 if you don't have a term plan

₹

Health insurance coverYour family's combined health cover

₹

Investments

Current invested wealthMutual funds + stocks + PPF + EPF + bonds. Exclude house and gold ornaments.

₹

Expected annual return12% ≈ long-run Nifty 50. 8% is conservative debt-heavy.

% p.a.

How we score

Six dimensions, each weighted by how much it matters to long-term financial resilience for Indian households. Emergency fund and debt burden carry the most weight — get those right and everything else has time to compound.

Emergency fund (15%) — months of expenses you could cover without income.
Debt burden (20%) — your EMI as a share of take-home (FOIR).
Savings rate (20%) — monthly SIP as a share of income.
Insurance cover (15%) — term life (15× income rule) + health cover.
Invested wealth (15%) — wealth-to-income ratio benchmarked against your age.
Retirement readiness (15%) — projected corpus vs corpus needed.

This is a maths-based audit, not personalised advice. For specific decisions involving large sums, talk to a SEBI-registered fee-only financial planner.