Financial Health Score

About the financial health score

Your financial health is more than the size of your bank balance. This tool scores five pillars of your money life out of 100: your savings rate, your emergency fund, your debt load, your investment coverage, and your insurance protection. The result is a single grade that shows where you stand and which areas need attention.

It is built for anyone who wants an honest, structured read on their finances rather than a vague sense of doing fine. Each pillar is scored against well established benchmarks, so a strong score reflects habits that hold up in real life, not just a high income.

Treat the score as a directional checkup, not a verdict. It uses the figures you enter and standard thresholds, so it cannot see your full picture. Use it to spot the weakest pillar and act on it, then recheck as your situation improves.

1. 1Enter your monthly income and expenses: Add your take home monthly income and your regular monthly expenses, excluding loan EMIs.
2. 2Add your monthly EMIs: Enter the total of your monthly loan repayments. This drives both your savings rate and your debt health.
3. 3Enter your savings and emergency fund: Add your total invested savings and the cash you hold for emergencies, kept separately.
4. 4Add your total debt and insurance: Enter your outstanding debt and confirm whether you hold health and life insurance.
5. 5Review your score and grade: See your overall score out of 100, your grade, and a breakdown by pillar so you know what to fix first.

How is the financial health score calculated?

Total score (out of 100) = savings rate (25) + emergency fund (20) + debt health (25) + investment coverage (20) + insurance (10)

Each pillar is scored against benchmarks: for example, a savings rate of 30% or more, an emergency fund of at least six months, and EMIs under 20% of income all earn full marks. The total maps to a grade from A+ down to F.