What the score checks
Ten basics that decide how well your money copes with a shock and grows over time. Each is worth some of the 100 points:
- Safety (44 points): an emergency fund, health insurance and term life cover, and nominees and a will.
- Debt (20 points): how much of your pay goes on EMIs, and whether you carry a credit card balance.
- Growth (36 points): how much you save, saving for retirement, where your long-term money is, and whether your goals have a plan.
80 or more is excellent, 60 to 79 good, 40 to 59 getting there, and below 40 needs attention. The score lists the three answers that cost you the most points, each with a calculator to plan the fix.
Your answers stay with you
The score is worked out in your browser. Your answers aren't saved or sent anywhere, and a shared link or image shows only the score.
Results are estimates for illustration only, not financial advice. Banks and schemes may round, apply TDS or use slightly different day counts — confirm figures with your bank or employer. Written by the Welthr team; last reviewed on .