Wealth Score Calculator, free financial health checkYour complete Wealth Score, with a plan for what to fix first.
Six short steps: about you, what you own, what you owe, what you earn, what you spend and how you are protected. You get a score out of 100, your net worth and an action list, plus a free Advanced Report with 22 financial ratios, your retirement number, goal plan and projections.
- 5 to 8 min
- Private, on your device
- Free PDF
How your Wealth Score is worked out
Seven pillars, each measured against a widely used benchmark. The score tells you how healthy your finances are today, not how rich you are, so a young professional can score as well as a wealthy family.
| Pillar | Points | Full marks when | Why it matters |
|---|---|---|---|
| Savings rate | 16 | You save 25% or more of take-home income (retirees: income covers expenses) | Saving is the engine of every other goal. |
| Emergency fund | 16 | 6 months of expenses in bank, cash or FDs (9 months if self-employed, 12 if retired) | Stops a job loss or illness from forcing you to sell investments or borrow. |
| Debt load | 16 | All EMIs are 30% of income or less, with no credit card balance carried | High EMIs leave no room to save; card debt costs 36% to 42% a year. |
| Protection | 16 | Life cover of 10 times annual income plus loans (if anyone depends on you) and family health cover of ₹10 lakh or more | Protects the family's plan if something happens to you. |
| Investments | 16 | Long-term investments of about 1 times annual income at 30, 3 times at 40, 5 times at 50 (retirees: 25 times yearly expenses) | Shows whether you are on track for financial independence. |
| Debt to assets | 10 | What you owe is 30% of what you own, or less | A cushion against falls in asset values. |
| Diversification | 10 | No single asset type (excluding your home) is more than half your investments | Spreading money lowers the damage from any one asset falling. |
85 and above: Strong. 70 to 84: Healthy. 50 to 69: Building. Below 50: Needs attention. An educational indicator, not investment advice.
Wealth Score questions
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What is a Wealth Score?
A single number out of 100 that sums up your financial health across savings, emergency fund, debt, insurance protection, investments, debt compared with assets, and diversification. It shows what to fix first and gives you a baseline to track every year.
Is my information safe?
Yes. The calculation runs entirely in your browser. Nothing you type is sent to us or stored on our servers. Your answers are kept only on your own device so you can return to them, and the "Clear all" button removes them.
What is a good Wealth Score?
70 or above is healthy and 85 or above is strong. Most people starting out score between 40 and 65, usually because of a small emergency fund or too little insurance cover, which are among the easiest things to fix.
How is net worth calculated?
Net worth is everything you own (property, investments, bank balances, gold, vehicles and business value) minus everything you owe (all loans, card balances and other dues). Your home counts in net worth, but not in the investments or diversification pillars, because you live in it.
How much life insurance do I need?
A common starting point is term cover of about 10 times your annual income plus your outstanding loans, if anyone depends on your income. The right figure also depends on your existing investments and goals. Insurance planning.
How big should my emergency fund be?
Six months of expenses is the usual target for salaried people, nine months for the self-employed and business owners, and twelve months for retirees. Keep it in a savings account, fixed deposits or a liquid fund, not in shares.
What is in the Advanced Wealth Report?
22 financial ratios used by financial planners and lenders, including liquidity, savings, debt service, FOIR, credit card utilisation, solvency and investment ratios, each rated Good, Watch or Act against its benchmark. It also shows the retirement corpus you need and when you could be financially independent, a plan for up to three goals, a 5, 10 and 20-year net worth projection, your spending against the 50/30/20 guide, tax-efficiency observations and a 90-day action plan. It is free: unlock it with your name and mobile on WhatsApp.
How often should I check my Wealth Score?
Once a year, and after any major change such as a new job, a home purchase, a new loan, marriage or a child. Tracking it yearly shows whether your plan is working.
Can you help me improve my score?
Yes. We go through your report with you and set up the fixes: an emergency fund, the right term and health cover, a loan plan, and goal-based investments, reviewed every year. Mutual funds are handled by our AMFI-registered Mutual Fund Distributor (ARN-344619) and loans through authorised DSAs and bankers.
Next steps from your score
Tools that turn the weakest pillar into a plan.