Get an instant financial health score with a detailed report in under 5 minutes. Find out if your net worth is on track, whether you are saving enough, and whether your insurance coverage is adequate for your life stage.
Your financial profile demonstrates disciplined liquidity planning and sustainable debt commitments. With strategic asset reallocation, your wealth accumulation can accelerate substantially.
You have ₹3.0 Lakhs in liquid funds against ₹3.6 Lakhs recommended. Keep this reserve in high-grade liquid mutual funds or sweep-in FDs for immediate access.
You are generating an estimated monthly investable surplus of ₹35,000. Automate disciplined monthly SIPs on your salary credit day to compound wealth.
Your monthly EMIs of ₹20,000 consume 20% of net income. This leaves you sufficient breathing room for wealth accumulation without financial distress.
Your pure term life insurance is ₹1.0 Crore. With your dependent family profile, enhancing cover by ₹20–₹50 Lakhs via an affordable pure term plan is advised.
Grounded in Indian financial planning standards and regulatory wealth benchmarks.
We check if you have a 6-month living expense cushion in liquid mutual funds or sweep FDs to insulate against career disruptions or medical shocks.
Are you deploying ≥ 30% of net take-home pay into disciplined wealth creation? We analyze your monthly investable surplus and compounding runway.
Are your EMIs within the safe 35% banking ceiling (FOIR)? Excessive debt is the leading destroyer of family wealth and equity SIP discipline in India.
Does your family hold 10x–15x gross income in pure term life cover and ≥ ₹10 Lakhs in family floater health insurance against medical inflation?
Most Indians have no idea whether their financial position is strong or dangerously exposed. Our 6-step checkup diagnoses your net worth, savings rate, investment gaps, and insurance adequacy — then connects you with an advisor to build a personalized action plan.
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After completing your health checkup, book a free 45-minute consultation with one of our AMFI-registered advisors to build an action plan tailored to your specific financial situation.
| Wealth Pillar | Client Position | Indian Benchmark | Status | Advisory Observation |
|---|---|---|---|---|
| 1. Emergency Cushion | 5.2 Months | 6.0 Months of Living Costs | Optimal Buffer | Hold in Liquid MFs / sweep FDs |
| 2. Savings & Investment Rate | 35.0% of Net Income | ≥ 30.0% of Take-Home Pay | Healthy Surplus | Deploy via systematic monthly SIPs |
| 3. Debt Solvency (FOIR) | 20.0% of Net Income | Safe Ceiling ≤ 35.0% | Safe Zone | Low debt distress; good cash flow |
| 4. Protection Shield | 8.3x Income / ₹10L Health | 10x–15x Term / ≥ ₹10L Floater | Review Needed | Consider ₹25L term cover enhancement |