Are You Financially Fit?
A complete India financial health check-up in 8 minutes. Enter your income, expenses, savings, assets and debts — get a 0-100 fitness score, identify exactly where you're strong vs weak, see when you can afford a bike / car / home, find out your safe daily / monthly / yearly spending limit, and walk away with a step-by-step action plan tailored to your numbers. Everything client-side — no signup, nothing saved or sent anywhere.
👤About you
Age and dependents inform every downstream calculation (retirement horizon, insurance needs, savings targets).
💰Income & expenses (monthly)
Post-tax take-home and your actual monthly spending. Don't include irregular bonuses in income; do include average monthly EMIs in expenses.
📊Your assets (current value)
Total value of what you own across each category. Rough estimates are fine — orders of magnitude matter more than precision.
🧾Your debts & EMIs
Outstanding loan balances (principal still owed). EMIs flow into the expense total above; here we capture the outstanding amount.
🛡️Insurance cover
Sum insured (not premium). Family floater + employer combined for health; standalone term for life.
🎯Big-ticket goals
Future purchases you want to make. Leave at 0 if not relevant. Tool tells you when you can afford each.
Your detailed assessment
Tap "Get my Financial Fitness Score" above to populate this section. Below: strengths, weaknesses, big-ticket purchase readiness, safe spending allowances, asset allocation gap, step-by-step action plan, motivational compounding stats, and curated reading.
✓ Your strengths
- Click assess to populate.
✗ Focus areas
- Click assess to populate.
Big-ticket purchase readiness
For each purchase: do you have enough down payment? Will the EMI fit in your budget without overextending? Answer is colour-coded — go (green), wait (amber), don't yet (red).
Your safe spending allowances
After mandatory savings (emergency, investments, insurance), this is what you can spend without harming long-term goals.
📚 Curated reading for your fitness level
These books cover the exact behaviours and frameworks that move you from average to excellent. Affiliate links — they help support WIB at no cost to you.
The Psychology of Money
Wealth is behavior, not knowledge. 19 essays you'll reread for life. The most-recommended money book of the past decade.
Buy on Amazon →Let's Talk Money
Best India-specific personal finance book. SEBI-registered author. Indian salary, Indian instruments, Indian tax. Start here if Indian.
Buy on Amazon →Atomic Habits
Money problems are behaviour problems. Atomic Habits is the playbook for the discipline side of fitness. 1% better every day.
Buy on Amazon →The Almanack of Naval Ravikant
Build leverage, own equity, get rich. AngelList founder's framework on wealth and decision-making.
Buy on Amazon →Your Money or Your Life
Original FIRE-movement book. Calculates how many hours of life each rupee actually costs you. Reframes spending.
Buy on Amazon →Coffee Can Investing
Indian equity portfolio construction with high-quality compounders. Specific stock-picking framework, Indian case studies.
Buy on Amazon →Related calculators & guides
Frequently asked questions
How is the financial fitness score calculated?
Five pillars, each worth 20 points: (1) Emergency fund — 6 months expenses in liquid form. (2) Savings rate — at least 30% of income invested. (3) Insurance adequacy — health cover at least 10× monthly income, term cover at least 10× annual income. (4) Asset diversification — no single category over 60% of net worth. (5) Retirement readiness — current corpus on track to hit 30× annual expenses by retirement age. Total: 0-100 score.
When can I afford to buy a car or home?
Two checks: (1) Down payment — 20% for home, 30% for car, must come from savings without touching emergency fund. (2) Affordability — EMI must not exceed 30% of monthly income, combined with existing EMIs not above 40%. The tool calculates how many months you need to save to meet both thresholds at your current savings rate.
What is a healthy savings rate in India?
Minimum: 20% of post-tax income (ideal foundation). Target: 30-40% for tier-1 salaried in 30s wanting comfortable retirement. Aggressive: 50%+ if pursuing FIRE (early retirement). Indian average is ~15% — most salaried earners underinvest because lifestyle inflation eats raises.
How much should I have in emergency fund?
6 months of expenses for stable salaried jobs. 9-12 months for variable income (consultants, business owners, sole earners with dependents). Keep in: 1 month in savings account, 2-3 months in liquid mutual fund or short-term FD, rest in slightly higher-yield debt funds. Never in equity.
What asset allocation should I target?
Rule of thumb: equity % = 100 − your age. So at 30: 70% equity, 30% debt/gold. At 50: 50-50. Tweaks for India: keep 10-15% in gold (inflation hedge), 5-10% in international (US stocks), don't count house you live in as investment (it's consumption). The tool suggests deltas from your current allocation.
Is this assessment accurate?
The fitness score is a high-quality directional indicator using standard personal finance benchmarks (emergency-fund 6 months, savings rate 30%, term cover 10× annual income, 30× retirement corpus). For exact tax planning, retirement modelling, or specific investment advice consult a SEBI-registered financial advisor. The tool is education, not a personalised plan.
Why doesn't the tool count my home as wealth?
The home you live in is consumption (you have to live somewhere). It generates no cash flow and selling it doesn't help retirement unless you downsize. Investment property (rented out, second house, plot) does count as wealth. This avoids the trap of feeling rich on paper while being cash-poor in retirement.