Your Free Money Health Report

12 quick questions across 6 areas of your money life. Get a score out of 100, a score for each area and the 3 next steps that matter most for you. Takes about 2 minutes.

🔒 Private by design: your answers stay in this browser tab. Nothing is sent, stored or shared anywhere.
Question 1 of 12

For education only. Not financial advice. Figures are estimates based on your assumptions.

How to use the Money Health Report

  1. Answer 12 short questions. Most are tap-to-choose. Two ask for simple numbers, like monthly take-home income and EMIs.
  2. Pick the answer closest to your life today, not the one you wish was true.
  3. See your overall score out of 100 and a score for each area.
  4. Read your three most important next steps. Each links to a free MoneyViel tool.
  5. Download the report as a PDF if you want to compare later.

What it checks

The report looks at six areas of your money life. Some areas count more, because they protect you from bigger shocks.

  • Spending and budgeting: do you plan, and is money left at month end?
  • Emergency fund: how many months could your savings cover, and is that money easy to reach?
  • Debt: how big your EMIs are compared with income, and how you handle borrowing.
  • Protection: health cover, and life cover if others depend on your income.
  • Saving and investing: how much you save, and whether it has a goal.
  • Money knowledge: two quick questions on inflation and compounding.

How to read your score

80 and above is “Strong”. 60 to 79 is a “Good foundation”. 40 to 59 is “Building up”. Below 40 is “Getting started”.

The area scores matter more than the total. A low area shows where one small step helps most.

Take the report again in three months. Comparing your scores shows your real progress.

Not a credit score, and fully private

This is not a credit score. It has nothing to do with banks or lenders. It is a simple check-up of your habits, for learning.

Your answers stay in your browser tab. Nothing is sent, stored or shared anywhere. The share card shows only your overall score.

Questions people ask

My score is low. What now?

Everyone starts somewhere. Pick step 1 from your report and do just that this week. The 52-Week Challenge also gives you one small habit at a time.

Is this the same as the Financial Health Score?

They are different tools. Try the Financial Health Score too for another view.

Does the report tell me what to invest in?

No. It is for education only. For personal investment decisions, speak to a SEBI-registered investment adviser.

This content is for general education only and is not financial, investment, tax or legal advice. Please consult a qualified professional before making financial decisions.