Money checkup
Financial Health Check
See your full money picture across cash flow, loans, emergency savings, investments, retirement, and protection.
Calculator
Calculate financial health score
Enter your monthly cash flow, debt, savings, investments, retirement savings, and insurance coverage.
Breakdown and suggestions
Enter your details and calculate to see a simple educational health check.
| Area | Indicator | What it means |
|---|---|---|
| Your checkup breakdown will appear here. | ||
Last updated: May 2026
What is this calculator?
The Financial Health Check combines basic cash flow, loan, emergency fund, investment, retirement, and protection inputs into an educational score.
Formula used
The score weights savings rate, EMI-to-income ratio, emergency fund months, investment rate, assets versus income, and insurance coverage versus annual income.
Example calculation
If income is Rs. 1,00,000, expenses are Rs. 50,000, EMI is Rs. 15,000, and investments are Rs. 20,000 per month, the calculator estimates ratios and an overall score.
How to use it
- Enter income, expenses, EMI, and emergency fund.
- Add monthly investments and current investment values.
- Enter retirement savings and insurance coverage.
- Review the estimated score and breakdown.
Benefits
- See multiple money areas in one view.
- Understand cash flow and debt pressure.
- Use the breakdown for educational planning conversations.
Common mistakes
- Reading the score like a credit score.
- Leaving out EMI, emergency fund, or retirement savings context.
- Assuming one score can capture every personal situation.
Limitations
The health score is a simplified educational view. It does not include goals, dependents, asset quality, tax status, insurance needs, inflation, or professional suitability checks.
FAQs
Is this a credit score?
No. It is only an educational money checkup based on your inputs.
Does this replace professional advice?
No. It is not financial, tax, legal, or investment advice.
Disclaimer
This health score is an indicative planning view only. Actual financial needs and risks vary by person.