Shivaputra M C · AMFI MFD ARN-328438 · +91 99805 88383
✦ FREE · TAKES ~7 MINUTES · NO SIGN-UP
Know your Financial Health Score in minutes
Answer a few simple questions about your income, savings and goals. Get a personalised score across 8 professional health indicators — plus a complete plan for your emergency fund, children's future, retirement and dream goals.
🔒 Private — runs in your browser
📊 8 indicators used by planners
🎯 Goal-wise SIP roadmap
👤ProfileYour family & income
🛡️Safety NetEmergency fund
🎓ChildrenEducation & marriage
🌅RetirementYour freedom corpus
🎯GoalsCar, home, travel…
📊Your ScoreFull health report
👋
Tell us about yourself
This helps us personalise every calculation. Nothing is uploaded — it all stays on your device.
Everyone to be covered under health insurance
So we can share your detailed plan
💼
Your income
Monthly take-home amounts, after tax.
₹
Take-home salary credited each month
₹
Rent, freelance, business income etc.
₹
Once-a-year payouts
Total Monthly Income₹0
Total Annual Income₹0
🧾
Your monthly expenses
Rough numbers are fine — you can refine later.
₹
Groceries, rent, utilities, school fees, fuel…
₹
Home, car, personal loan EMIs combined
₹
Life + health + vehicle premiums ÷ 12 if annual
₹
Subscriptions, support to parents, etc.
₹
Festivals, vacations, annual fees
Total Monthly Expenses₹0
Monthly Savings₹0
Savings Rate0%
🏦
What you own (assets)
Current value of everything you own. Enter 0 or leave blank if not applicable.
Liquid & Market Investments
₹
₹
Liquid / overnight / ultra short funds
₹
₹
₹
Retirement accounts — total current balance
₹
Bonds, crypto, ULIPs, business stakes…
Real Estate & Gold
₹
Approx. market value; 0 if renting
₹
Plots, second home, rented flat
₹
₹
Total Assets₹0
Liquid Assets₹0
⚖️
Loans & insurance cover
Outstanding loan amounts today, and your existing insurance cover.
Outstanding Loans
₹
₹
₹
₹
₹
Insurance Cover
₹
Sum assured of all term / life plans combined
₹
Family floater sum insured (excluding employer cover if temporary)
Total Liabilities₹0
Your Net Worth₹0
🛡️
Your safety net
An emergency fund covers job loss, medical events, or urgent repairs — without breaking investments. How many months of expenses do you want covered?
3
months Minimum safety net
POPULAR
6
months Salaried professionals
12
months Ideal — covers job loss
18
months Self-employed / business
We'll spread the saving over this period
Target Emergency Fund₹0
You already have (liquid)₹0
Gap to fill₹0
Monthly saving needed₹0
🎓
Your children's future
Plan for higher education and marriage. We apply education inflation of 10%/yr and wedding inflation of 8%/yr (India averages), and auto-pick expected returns based on time left: 12% for 10+ yrs, 10% for 5–10 yrs, 7% under 5 yrs.
🌅
Retirement — your biggest goal
We project today's expenses to your retirement age with inflation, then compute the corpus that funds you till your planning age.
⚙️ Advanced assumptions (defaults are sensible for India)
Equity mutual fund assumption
Debt / balanced assumption
Years to retirement—
Corpus you'll need₹0
EPF/PPF/NPS will grow to₹0
Monthly SIP needed₹0
🎯
Your dream goals
Car, vacation, dream home, business… Enter today's cost and years left; we handle inflation (7%) and returns (7% for short-term, 12% for long-term goals). Leave rows blank to skip.
Short-Term Goals · within 5 years
Goal
Today's Cost (₹)
Years Left
Already Saved (₹)
Monthly SIP
Long-Term Goals · beyond 5 years
Goal
Today's Cost (₹)
Years Left
Already Saved (₹)
Monthly SIP
Short-term goals SIP₹0
Long-term goals SIP₹0
📈
What you already invest
So we can show the gap between what's needed and what you're already doing.
₹
₹
₹
Your Risk Profile
🌿
Conservative Safety first · 35% equity
BALANCED
⚖️
Moderate Growth + stability · 55% equity
🚀
Aggressive Max growth · 70% equity
0 of 8 indicators ideal
Your Financial Health Report
—
—
🩺 8 Health Indicators
The same checks a professional financial planner runs — green is ideal, amber needs a look, red needs action.
💰 Where your wealth sits
📊 Assets vs Liabilities
🎯 Your Monthly Investment Roadmap
Goal-wise SIPs needed to fully fund every dream — and how it compares to what you already invest.
SIP split by goal
🧭 Recommended asset allocation —
🌅 Retirement snapshot
✅ Your Action Plan
Prioritised next steps, based on your red and amber indicators.
This tool provides educational projections based on the assumptions shown and does not constitute investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Please consult your advisor before investing.