Your CIBIL score tells lenders how you repay. Your Financial Health Score tells you how strong your entire financial life is — savings, debt, investments, insurance and retirement readiness — in one number from 0 to 100.
Unlike a one-dimensional credit score, your Financial Health Score evaluates every dimension of your financial life with precise weighting.
Monthly income vs. expenses — your financial runway each month.
10% weightWhat percentage of income is actually building wealth consistently.
25% weightWhether your EMIs and loans are working for or against you.
20% weightLiquid cushion against income shocks and unexpected costs.
15% weightConsistency and diversification of long-term wealth creation assets.
15% weightTotal assets minus liabilities — your true financial balance sheet.
10% weightHealth and term life cover protecting against financial catastrophe.
5% weightEvery band maps to specific action priorities — not just a label.
Immediate action needed. Focus on cash-flow control, cutting high-interest debt, and building a minimum emergency buffer.
Some foundations exist but significant gaps remain. Complete the emergency fund first, then reduce DTI below 30%.
Decent foundation — now scale up investments, target a 20%+ savings rate, and begin structured FIRE planning.
Strong habits across most pillars. Optimise for compounding via step-up SIPs, tax efficiency, and multi-goal FIRE planning.
Elite discipline. Shift focus to wealth preservation, passive income diversification, and accelerating your FIRE timeline.
No vague surveys. Enter real numbers, get real calculations and targeted recommendations.
Monthly income, expenses, savings, investments, EMIs, insurance — plain numbers, no jargon required.
A weighted 7-factor model processes your inputs. No waiting, no email required, results are immediate.
See exactly which areas drag your score down and which are genuine strengths.
Targeted improvements ranked by impact — know precisely what to fix first.
Track progress as your finances evolve. Watch your score climb as habits compound.
Transparent weighted model — not a black box
Takes under 2 minutes. No sign-up. Instant results with personalised recommendations.
Answer 15 questions about your income, expenses, savings, debt and insurance. Get your personalised score from 0–100 with a pillar-by-pillar breakdown and specific action steps.
Open Calculator →Score calculated in real-time as you fill in your data
See exactly which areas need attention and by how much
All calculations done locally — nothing stored or shared
wealthpedia.in/financial-health-score · For educational purposes only. Not financial advice. Consult a SEBI-registered investment advisor before making decisions. Wealthpedia™ Trademark #4910385.
Built by practitioners, for Indian households navigating real financial complexity.
Long-form personal finance content tailored for Indian investors and FIRE seekers.
SIP, EMI, FIRE Planner, SWP Calculator, and more — all free.
Holistic scoring — a full financial diagnostic, not just a single metric.
Every tool is designed to accelerate your journey to Financial Independence.
Everything you need to plan, optimise and track your path to financial independence.
Most Indians optimise one metric while ignoring the rest. Get your complete financial picture — free, in under 2 minutes.
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