Financial Health Score
A 100-point comprehensive audit of your financial life.
Pillar 0120 Points
Savings Rate
Calculated as (Income - Spend) / Income. Target ≥ 30% of monthly income.
Pillar 0220 Points
Emergency Fund
Measures cash reserves. Adequate buffer holds ≥ 6 months of essential spending.
Pillar 0320 Points
Debt Burden
Fixed Obligation Ratio. Target EMI-to-income represents ≤ 30%.
Pillar 0415 Points
Investment Rate
Proactive compounding. Excellent score for investing ≥ 15% of income.
Pillar 0515 Points
Insurance Audit
Term Life ≥ 10x salary and Health Coverage ≥ ₹5L.
Pillar 0610 Points
Goal Progress
Distance to reaching your designated wealth targets.
Dynamic Recalculation
Your score is recalculated in real-time as you update data in any dashboard module. The engine monitors 300+ financial signals to ensure your ground truth is always accurate.