What is a good Financial Health Score in India?

A score above 75 indicates strong financial fitness. It reflects a debt-to-income (FOIR) under 35%, a savings rate above 25%, at least 6 months of living expenses in an emergency fund, and comprehensive health and term insurance.

How is the Financial Health Score calculated?

The score evaluates four critical financial pillars: Savings Rate (25%), Debt Burden / FOIR (25%), Emergency Runway (25%), and Insurance Protection (25%).

Interactive Assessment Tool

Financial Health Score & Fitness Check

Assess your debt-to-income ratio, emergency liquid runway, savings rate, and risk protection. Get an objective 0–100 score and an actionable roadmap to achieve financial peace of mind.

Your Financial Numbers

Monthly Take-Home Income

₹

Monthly Living Expenses (Rent, Food, Utilities)

₹

Monthly Loan EMIs & Credit Card Dues

₹

Liquid Emergency Fund in Bank / FD

₹

Total Accumulated Investments (Mutual Funds, EPF, Stocks)

₹

Insurance Safety Net

Independent Health Insurance (Personal floater, not just corporate)Pure Term Life Insurance (At least 10x annual income coverage)

Your Health Status

Financially Bulletproof

89/ 100

Savings Rate40%Target: 30%+

Debt FOIR15%Bank Cap: 40%

Emergency Runway5 MoSafe: 6+ Mo

Net Worth Multiple0.67xof Annual Salary

Score Breakdown

Savings Discipline25/25

Exceptional savings rate (>35%). You compound wealth rapidly.

Debt & EMI Burden22/25

Safe debt burden (<25%). Well within comfortable bank limits.

Emergency Cushion17/25

Basic buffer: 5 months available. Target 6 months for recession safety.

Risk & Insurance Protection25/25

Fully insulated: Term life cover protects dependents; health cover shields savings.

Recommended Action Steps

Build emergency runway: Save ₹60,000 into liquid funds or auto-sweep bank FDs to reach a 6-month buffer.
Automate your SIPs: Channel at least 60% of your ₹40,000 monthly surplus into diversified Nifty 50 and Flexi-cap index funds.

Interactive Tool

EMI Affordability Checker →

Check maximum eligible loan based on salary and bank FOIR guidelines.

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Retirement Readiness Quiz →

Calculate your inflation-adjusted corpus gap and SIP needed.

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Tax Savings Optimizer →

Compare Old vs New Tax Regime under Budget 2024 to save thousands.

SEBI Compliance Disclaimer: This financial health score tool is an educational assessment model based on standard financial planning benchmarks. It does not constitute formal investment advice or a credit sanction. Please consult a SEBI-registered investment adviser for personalized portfolio planning.