Money Health Score
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Quick Summary
- Get a free 0-100 score on your emergency fund, savings rate, debt and insurance cover, with what to fix first. No login, 2-minute check.
- For example, 6-month emergency fund, 25% savings rate, no high-interest debt works out to Score in the 80-100 (excellent) range.
- Built for anyone wanting a quick, free checkup of their overall financial health across five key areas
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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
How the Money Health Score Works
You answer a few questions about your emergency fund, savings rate, debts, insurance cover and retirement savings. Each area is scored against a standard financial-planning benchmark, and the five scores combine into a single Money Health Score out of 100.
Example Scenarios
| Scenario | Result |
|---|---|
| 6-month emergency fund, 25% savings rate, no high-interest debt | Score in the 80-100 (excellent) range |
| 1-month emergency fund, 10% savings rate, high EMI load | Score in the 30-50 (needs attention) range |
| No insurance, no retirement savings yet | Lowers insurance + retirement sub-scores sharply |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
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.
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.
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.
Common Mistakes to Avoid
- Focusing only on returns/investments while ignoring emergency fund and insurance coverage, which the score weighs equally.
- Treating a one-time high score as permanent — recheck periodically as income, debt and goals change.
- Not acting on the lowest-scoring category first, since that's usually the biggest risk to your finances.
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* 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.
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