Financial Health Checkup
Take a 2-minute diagnostic checkup. Grade your saving discipline, safety cushions, and insurance coverage. Receive custom scores and optimization checklists.
Monthly Income & Savings
We calculate your savings rate to grade compounding capability.
Frequently Asked Questions
How do I check my financial health?
Evaluating your financial health requires auditing four foundational pillars: saving discipline (saving rate >20%), liquidity cushions (3–6 months expenses in liquid cash), risk protection (active health and term insurance covers), and debt control (payouts for EMIs kept under 30–35% of total income).
What is a healthy savings rate?
A balanced baseline target is 20% to 30% of your take-home monthly income. Consistently saving and compounding this amount in inflation-beating investments builds solid wealth over long horizons, supporting targets like home purchases, child education, or retirement.
A 10-Minute Financial Checkup That Could Change Your Next 10 Years
Most Indians visit their doctor for a yearly health checkup. Almost none schedule a yearly financial health checkup. Yet the cost of financial ill-health — chronic debt stress, inadequate insurance, or zero retirement planning — often exceeds the cost of medical ailments in human terms.
A good financial health checkup measures four dimensions. First, your savings rate: are you saving at least 20% of your take-home income? Below 10% is a red flag. Second, your emergency reserve: do you have 3–6 months of expenses liquid and accessible? Third, your insurance coverage: do you have adequate term life cover (10–15x annual income) and a health policy that isn't just your employer's group cover? Fourth, your high-interest debt: are you paying credit card interest at 36% p.a. or personal loan interest above 14%?
Poor scores on any of these four don't require dramatic action. They require a plan. Cut one subscription. Redirect ₹2,000 from dining to an emergency fund SIP. Call your insurance agent about a top-up health policy. These micro-decisions compound — just like money — over years into dramatically different financial outcomes.
Do this checkup every January. Write the results down. Compare year-over-year. Growth you can measure is growth you can accelerate.
Related Planners
Continue exploring tools in the Planning & Goals category.
Inflation-Adjusted SWP
Calculate how long your retirement lump sum corpus will last with inflation-indexed monthly withdrawals.
Risk Profiler
Take a 7-question interactive risk assessment quiz to establish your risk profile and recommended asset allocation model.
Emergency Fund Planner
Calculate your 3-month and 6-month financial liquidity buffers based on monthly recurring expenses.