Financial Health Check
Answer 10 quick questions to get your money score out of 100 and a personal action plan. It takes about 2 minutes, and your answers never leave your device.
Start at the top – these are ordered by what matters most.
What Is a Financial Health Check?
Just as a doctor checks your blood pressure and cholesterol, a financial health check looks at the few things that matter most for your money: whether you’re saving enough, whether you’re protected if something goes wrong, whether your debts are under control and whether you’re on track for the future.
The check above asks 10 simple questions, gives you a score out of 100 and – most importantly – a personal action plan, ordered by what you should fix first. Your answers stay in your browser; nothing is stored or sent anywhere.
The 10 Benchmarks We Check
| Area | Healthy Benchmark |
|---|---|
| Credit cards | Pay the full bill every month – never carry a balance |
| Emergency fund | At least 6 months of expenses in safe, easy-to-access savings |
| Health insurance | A personal policy of ₹5 lakh or more, separate from your employer’s cover |
| Life cover | Term insurance of 10–15 times your yearly income if anyone depends on you |
| Loans and EMIs | All EMIs below 40% of your take-home pay |
| Saving habit | Save or invest at least 20% of your take-home pay |
| Retirement | A target amount, with regular saving beyond EPF |
| Investments | Long-term money in a balanced mix that includes equity mutual funds |
| Goals | Clear goals with amounts and dates, each with its own plan |
| Nominees and will | Nominees on every account and policy, plus a simple will |
How the Score Works
Each question is worth up to 10 points. Your total out of 100 falls into one of four bands:
- 80–100: Excellent – your finances are in great shape
- 60–79: Good, with room to grow – the basics are covered, with a few gaps
- 40–59: Needs attention – some important gaps could hurt you
- Below 40: Needs urgent attention – start with the first steps in your action plan
Your action plan puts the most urgent fixes first. High-interest credit card debt comes before everything else, followed by an emergency fund and insurance – because no investment plan survives a medical emergency or a job loss without them. Investing and goal planning come next.
What to Do After Your Check
- Pick the top one or two actions and do them this month. Don’t try to fix everything at once.
- Use the linked tools and guides to work out the exact numbers for your situation.
- Retake the check every six months, or after any big change – a new job, marriage, a child or a home loan – and watch your score improve.
Questions People Actually Ask Us
Are my answers saved anywhere? No. The check runs entirely in your browser. Nothing is stored on our servers or shared with anyone.
Why does credit card debt come first in my action plan? Because credit card interest is usually 36–42% a year. Paying it off is a guaranteed “return” far higher than any investment.
Is employer health insurance enough? It helps, but it ends when you change jobs or retire – often when you need it most. A personal policy keeps you covered regardless of your job.
I’m a student or just started working. Does this apply to me? Yes. Some questions may not apply yet – for example, if no one depends on your income, you get full marks for life cover – but building good habits early makes the biggest difference.
Disclaimer: This check is for educational purposes only and uses general rules of thumb. It isn’t financial advice and doesn’t consider your full situation. For personalised advice, please consult a SEBI-registered investment adviser. See our full Disclaimer.