Free tool · 2 minutes · No sign-up

Financial Health Check

Eleven numbers, one score out of 100. See where your household finances are strong and where the gaps are, across emergency fund, savings, debt, insurance and retirement.

Nothing you enter leaves your browser. Built by Partha Deshpande, SEBI Registered Investment Adviser (INA000022321).

About you

Your ageYears Age you plan to retireYears Does anyone depend on your income?Spouse, children or parents

Each month

Take-home incomeAfter tax, per month ₹ Living expensesExcluding EMIs, per month ₹ Loan EMIsHome, car, personal and card EMIs; enter 0 if none ₹ Amount you investSIPs, PF, NPS and other regular investing ₹

What you have today

Emergency moneySavings account, FDs and liquid funds you can reach quickly ₹ Long-term investmentsMutual funds, stocks, PF, NPS; exclude your home ₹ Term life coverSum assured; enter 0 if none ₹ Health insurance coverPersonal or family floater, excluding employer cover ₹

Educational tool based on general rules of thumb. Not investment advice.

How the score works

Five areas, 20 points each.

Emergency fund

Months of expenses and EMIs you could cover from money you can reach quickly. Six months earns full marks.

Savings rate

The share of take-home income you invest each month. Twenty per cent or more earns full marks.

Debt load

EMIs as a share of take-home income. Ten per cent or less earns full marks; fifty per cent or more earns none.

Insurance cover

Term life cover of ten times annual income if someone depends on you, and health cover of ₹10 lakh or more.

Retirement readiness

Your projected investments at retirement against 25 times your expected annual expenses then.

Your data

The calculation runs in your browser. Advisoira does not receive or store the numbers you enter.

Frequently asked questions

About the Financial Health Check.

Is the Financial Health Check free?

Yes. It is free, needs no sign-up, and the numbers you enter are processed in your browser and are not sent to Advisoira.

How is the score calculated?

The score is out of 100 across five areas worth 20 points each: emergency fund, savings rate, debt load, insurance cover and retirement readiness. Each area is compared with a widely used rule of thumb, such as six months of expenses in an emergency fund.

Is this investment advice?

No. It is an educational tool based on general rules of thumb. It does not consider your full circumstances and does not recommend any product. Personalised advice is provided only under an advisory agreement with a SEBI Registered Investment Adviser.

What assumptions does the retirement estimate use?

It assumes 6% annual inflation, a 10% annual return on investments before retirement, and a retirement corpus of 25 times annual expenses. These are illustrative assumptions, not forecasts or assured returns.