Loading…
Loading PaisaToolsLoading…
Loading PaisaToolsScore your finances 0–100 and see what to fix first
Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026
How to use: Enter your income, expenses, EMIs, savings, investments and debt — get a 0–100 score across five pillars, your biggest opportunities to improve, and save your progress.
Example₹80,000 income, ₹45,000 expenses, ₹2L savings, ₹6L invested → a 'Good' score with investments flagged as the area to grow
Not counting EMIs
0 if none
Your Financial Health Score
82
out of 100
Excellent
How you score on each pillar
You save about 29% of your income each month.
Your savings cover about 4.4 months of expenses (aim for 6).
Your EMIs take about 15% of your income (keep under 30–40%).
You have about 0.6× your annual income invested (a healthy target at 30 is ~1.7×).
On your current track, you're about 100% of the way to a comfortable retirement at 60.
Your biggest opportunities
Most money tools give you a number. This one gives you a verdict. The Financial Health Score is a single 0–100 rating of how healthy your finances really are — a quick, honest check-up that tells you not just where you stand, but what to fix first.
It scores five pillars that decide your financial future: cash flow (are you living within your means?), emergency fund (could you survive a bad month?), debt (are EMIs choking your income?), investments (is your money working?), and retirement readiness (are you on track for 60?). Each is benchmarked against standard rules of thumb, so the score is grounded, not arbitrary.
Then it hands you your two biggest opportunities — the specific moves that raise your score the most — and links straight to the tools to act on them. Hit Save & trackand come back monthly to watch the number climb. Everything stays on your device. It's the difference between knowing your numbers and knowing your plan.
Each pillar is scored against established personal-finance benchmarks: a healthy savings rate of 20–30%, an emergency fund of 6 months of expenses, a debt-to-income (FOIR) ceiling of ~30–40%, an age-based investment target (roughly your annual income × (age − 25) ÷ 3), and a retirement corpus of about 25× annual expenses (the 4% safe-withdrawal rule), projecting current investments plus ongoing surplus at ~11% to age 60 against expenses inflated at 6%. These are widely-used guidelines, not guarantees or personalised advice. All amounts stay in your browser.