How to use this score

1. Enter your monthly take-home income. This is the only required field.
2. Add your monthly spending (without EMIs), total EMIs, monthly savings and the emergency savings you can use today.
3. Answer the questions on health insurance, dependents, term cover, credit card balances and tracking.
4. Tap “Get my score” to see your score out of 100, a band, a breakdown by area and up to three priority actions.
5. Use “Retake” after a few months to check your progress.

How the score is built

• Savings rate: up to 25 points (full marks at 30% or more of income).
• Emergency fund: up to 20 points (full marks at 6 months of spending plus EMIs).
• Debt load: up to 20 points (full marks when EMIs are 20% of income or less).
• Health insurance, life cover for dependents and credit card habits: up to 10 points each.
• Tracking your money: up to 5 points.

Worked example

Karan takes home ₹50,000. He spends ₹32,000, pays ₹8,000 in EMIs, saves ₹7,000 and has ₹1,20,000 set aside. He has only employer health cover and no term cover, and his family depends on him. He pays his card in full and tracks spending roughly.

His savings rate is 14% (12 points). His fund covers 3 months (14 points). EMIs are 16% of income (20 points). Add 5, 0, 10 and 2 for the rest, and he scores 63: “Good”.

His top actions are life cover for his family, a higher savings rate and his own health policy.

What your result means

80 and above is Excellent, 60 to 79 is Good, 40 to 59 needs some work, and below 40 is at risk. Start with action number one. This is an educational guide only. It is not a credit score and is not shared with anyone.

Questions people ask

Is my data stored?

No. The tool says nothing is saved or sent anywhere; the score is worked out in your browser.

Is this the same as my credit score?

No. It is a simple self-check of your habits. Lenders do not use it.

How can I improve quickly?

Follow the priority actions in order. The emergency fund calculator helps with one of the biggest areas.

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.