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Assess your financial wellness across 6 key dimensions and get personalized recommendations to improve your financial health.
20+ Years of Financial Advisory Experience 0 Overall ScoreAssess your income stability and spending habits
What percentage of your income goes towards fixed expenses (rent, EMI, utilities)? Fixed Expenses % 40% 10% 30% 50% 70% How would you describe your budgeting discipline? Strict monthly budget 10 points Rough mental budget 7 points Occasionally track 4 points No budget 1 point Do you have multiple income sources? 3+ sources 10 points 2 sources 7 points 1 stable source 4 points Irregular income 1 pointEvaluate your savings rate and emergency preparedness
How many months of expenses do you have in emergency savings? 6+ months 10 points 3-6 months 7 points 1-3 months 4 points Less than 1 month 1 point What percentage of your income do you save each month? Monthly Savings % 15% 0% 15% 30% 50% Do you have specific savings goals (house, car, education)? Yes, with separate accounts 10 points Yes, but combined savings 7 points Thinking about it 4 points No specific goals 1 pointAnalyze your debt situation and repayment strategy
What is your debt-to-income ratio (monthly debt payments รท monthly income)? Debt Ratio % 30% 0% 30% 60% 100% What types of debt do you have? Only home loan 10 points Home + car loans 7 points Credit card debt 4 points Multiple high-interest debts 1 point Do you pay credit card bills in full each month? Always full payment 10 points Usually full payment 7 points Minimum payment 4 points Often miss payments 1 pointReview your investment strategy and diversification
What percentage of your savings is invested (vs. in savings account)? Invested Savings % 40% 0% 40% 70% 100% How diversified is your investment portfolio? Multiple asset classes 10 points Stocks + mutual funds 7 points Mostly fixed deposits 4 points No investments 1 point How often do you review and rebalance your portfolio? Quarterly review 10 points Annual review 7 points Occasionally 4 points Never reviewed 1 pointEvaluate your risk protection and insurance adequacy
Do you have adequate life insurance coverage? 10-15x annual income 10 points 5-10x annual income 7 points Company coverage only 4 points No life insurance 1 point What health insurance coverage do you have? Family floater + top-up 10 points Individual/family policy 7 points Company coverage only 4 points No health insurance 1 point Do you have other insurance (car, home, disability)? All major policies 10 points Car + home insurance 7 points Only car insurance 4 points No additional insurance 1 pointAssess your retirement preparedness and future planning
What percentage of your income goes towards retirement savings? Retirement Savings % 10% 0% 10% 20% 30% Have you calculated your retirement corpus needed? Yes, with detailed plan 10 points Rough estimate 7 points Thinking about it 4 points Haven't started 1 point What retirement accounts do you have (EPF, PPF, NPS, etc.)? 3+ retirement accounts 10 points EPF + one more 7 points Only EPF 4 points No retirement accounts 1 pointSecure term life insurance of 10x annual income and comprehensive health insurance for family. Consider critical illness and disability covers.
Medium PriorityIncrease equity exposure through SIPs in diversified mutual funds. Aim to invest 60% of savings for better long-term returns.
Medium PrioritySave 6 months of expenses in liquid assets. Start with 1 month and build gradually through monthly contributions.
Low PriorityIncrease retirement contributions by 2% annually. Consider NPS for additional tax benefits and long-term growth.
Visual representation of your financial health across all key dimensions.
Get quotes for term life insurance and health insurance. Review existing policies for gaps.
Week 3-4Track expenses for 30 days. Identify 3 areas to reduce spending by 10% each.
Month 2Open separate savings account. Set up auto-transfer for emergency fund contributions.
Month 3Start 2 SIPs in equity mutual funds. Review and rebalance existing investments.
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This financial health checker provides an educational assessment based on the inputs provided. Please note: