What is a Money Health Score?

It's a 0-100 score that checks your finances against 5 standard financial planning benchmarks: emergency fund coverage, savings rate, debt-to-income ratio, insurance coverage, and retirement readiness — giving you a quick snapshot of where you stand.

How is the Money Health Score calculated?

Each of the 5 categories is scored against a widely-used rule of thumb (e.g. 6 months of expenses in an emergency fund, a 20%+ savings rate, debt-to-income under 40%, a 25x-annual-expenses retirement corpus) and combined into a weighted composite score out of 100.

Is the Money Health Score personalized investment advice?

No. It's an educational self-assessment based on standard, publicly known financial planning guidelines — it does not recommend any specific fund, stock or product. TopFund is not a SEBI-registered investment adviser — consult one for advice specific to your situation.

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Investment Calculators

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currency_rupee Direct/Reg Cost gap workspace_premium Gratuity Retirement home_work HRA Rent exempt elderly NPS Pension flag Goal Target account_balance EMI Loan trending_up CAGR Returns payments SWP Withdrawal elderly Retire Corpus account_balance_wallet PPF Savings home Rent/Buy Compare health_and_safety Life Ins Cover need show_chart Step-Up Annual hike history_edu What If Real backtest favorite Money Score Health check timeline Timeline Life goals

23 Calculators

📈 Investment

calculateSIP Calculator paymentsLumpsum flagGoal Planner show_chartStep-Up SIP paymentsSWP history_eduWhat If Simulator favoriteMoney Health Score timelineFinancial Timeline

🏦 Savings

local_fire_departmentFIRE / Retire Early compare_arrowsMF vs FD currency_rupeeDirect vs Regular account_balanceFD Calculator savingsRD Calculator account_balance_walletPPF Calculator elderlyNPS Calculator

💰 Tax Planning

account_balance_walletIncome Tax receipt_longGST Calculator home_workHRA Calculator workspace_premiumGratuity

🏠 Loans

account_balanceEMI Calculator real_estate_agentHome Affordability homeRent vs Buy

🎯 Planning

Your Finances

Age 30 yr

Retirement Age 60 yr

Monthly Take-Home Income ₹80K

Monthly Expenses ₹40K

Total Investments / Savings ₹5L

Monthly SIP Amount ₹10K

Monthly EMI / Loan Payments ₹0

Emergency Fund (liquid savings) ₹1L

Term Life Insurance?

Health Insurance?

Based on standard financial planning guidelines, not personalized advice. Consult a SEBI-registered adviser for advice specific to your situation.

Your Money Health Score

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Score Breakdown

Emergency Fund —

Savings Rate —

Debt-to-Income —

Insurance Coverage —

Retirement Readiness —

Learn More About Investing

compare_arrows SIP vs Lumpsum info What is NAV? savings ELSS Tax Saving trending_up IPO GMP Guide

* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.