How do I use the financial health score?

1. Enter your monthly income and expenses: Add your take home monthly income and your regular monthly expenses, excluding loan EMIs. 2. Add your monthly EMIs: Enter the total of your monthly loan repayments. This drives both your savings rate and your debt health. 3. Enter your savings and emergency fund: Add your total invested savings and the cash you hold for emergencies, kept separately. 4. Add your total debt and insurance: Enter your outstanding debt and confirm whether you hold health and life insurance. 5. Review 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.

What is a healthy financial score?

A score above 80 generally indicates strong financial stability across savings, debt management, emergency readiness, and risk protection.

How much emergency fund should I keep?

Most households should target at least 3–6 months of essential expenses. If income is volatile, aim for the higher end.

What debt-to-income ratio is considered safe?

Keeping EMI obligations under 30% of monthly income is considered healthy; under 20% is excellent.

Why does insurance affect my score?

Health and life insurance protect your long-term plan from medical or income shocks. Without them, financial resilience drops sharply.

How can I improve my score quickly?

Start by reducing discretionary expenses, clearing high-interest debt, and building a 3-month emergency corpus before increasing investments.

Tools/

Financial Health Score

Evaluate your savings discipline, debt stress, emergency readiness, and protection coverage in one score.

Monthly Income

₹10,000₹50,00,000

Monthly Expenses

₹5,000₹50,00,000

Monthly EMIs

₹0₹20,00,000

Total Savings/Investments

₹0₹50,00,00,000

Emergency Fund

₹0₹1,00,00,000

Total Debt Outstanding

₹0₹50,00,00,000

Health Insurance

Life Insurance

Financial Health Score

out of 100 across 5 core components

Savings Rate20/25

Emergency Fund15/20

Debt Health20/25

Investment Coverage5/20

Insurance10/10

Savings Rate

20.0%

Emergency Fund

4.0 months

Debt-to-Income

20.0%

Investment Ratio

1.0x

Component Score Details

Component	Score	Health
Savings Rate	20/25	excellent
Emergency Fund	15/20	good
Debt Health	20/25	excellent
Investment Coverage	5/20	poor
Insurance	10/10	excellent

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.

Frequently Asked Questions

Enter your monthly income and expenses
Add your take home monthly income and your regular monthly expenses, excluding loan EMIs.
Add your monthly EMIs
Enter the total of your monthly loan repayments. This drives both your savings rate and your debt health.
Enter your savings and emergency fund
Add your total invested savings and the cash you hold for emergencies, kept separately.
Add your total debt and insurance
Enter your outstanding debt and confirm whether you hold health and life insurance.
Review 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.

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

Savings rate is the share of income left after expenses and EMIs, scored up to 25
Emergency fund is months of expenses covered by your cash buffer, scored up to 20
Debt health looks at your EMI to income ratio and overall debt, scored up to 25
Investment coverage compares invested savings to annual income, scored up to 20, and insurance adds up to 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.

A worked example

Suppose you earn ₹1,50,000 a month, spend ₹60,000, pay ₹20,000 in EMIs, hold ₹30,00,000 invested and ₹4,00,000 in emergency cash, owe ₹10,00,000 in total debt, and have both health and life cover.

Savings rate: 46.7% (25 / 25)
Emergency fund: 5 months (15 / 20)
Debt health: EMI 13.3% of income (25 / 25)
Investment coverage: 1.7x annual income (10 / 20)
Insurance: Both covered (10 / 10)
Total score: 85 / 100, Grade A

A score of 85 earns an A, driven by a strong savings rate, low debt, and full insurance. The weakest pillar here is investment coverage at 10 out of 20, which points to the clearest next step: keep growing invested savings toward several years of income.

The score uses standard benchmarks and cannot capture your full context, such as job stability, dependants, or one off expenses. Read it as guidance, not a grade card.
An emergency fund should sit in safe, liquid instruments, separate from your investments, so it is available exactly when income stops.
Adequate health and life cover protects everything else. A single uninsured event can undo years of saving, which is why insurance carries weight here.
Improving one pillar often lifts another. Clearing high cost debt, for instance, raises both your debt health and your savings rate over time.

Score yourself on real data, not estimates

Connect your accounts and Finest tracks savings rate, emergency cover and debt load from actual transactions.

Score yourself on real data

Financial Health Score

Inputs

Results

About the financial health score

Frequently Asked Questions

Score yourself on real data, not estimates

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