Methodology

Two layers. Both in the open.

The homepage gives a fast directional estimate. Your saved plan uses seven connected benchmarks and more of your real numbers.

Quick estimate · 4 inputs

A fast first reading

Age

Take-home pay

Monthly savings

Monthly EMIs

Savings rate

How much you keep

35%

What it measures: Monthly savings divided by monthly take-home pay.
Threshold: 30% earns full marks; the score scales linearly below that.
Where the rule comes from: 30% is a personal-finance rule of thumb, not a population claim.

Debt load

How much you owe

25%

What it measures: Total monthly EMIs divided by monthly take-home pay.
Threshold: 0% is full marks; 40% or more scores zero.
Where the rule comes from: 40% is used here as a modelled fixed-obligation ceiling.

Breathing room

Money left over

15%

What it measures: Take-home minus savings minus EMIs, as a share of take-home.
Threshold: 35% of pay left as breathing room earns full marks.
Where the rule comes from: A modelled target based on common budgeting rules.

Age-adjusted

Pace for your age

25%

What it measures: Your savings rate measured against an age-adjusted target.
Threshold: 10% under 25, 15% to 29, 20% to 34, 25% to 39, 30% to 49, 35% from 50.
Where the rule comes from: A modelled ladder: a later start needs a higher savings rate.

Formula

0.35·keep + 0.25·owe + 0.15·left + 0.25·pace

Full Vybe Score · 7 benchmarks

The score inside your plan

Each benchmark becomes a 0–100 sub-score, then the weighted sum is rounded once. No benchmark changes the weights of another.

Retirement readiness20%Projected retirement corpus ÷ required corpusModelled target · 100% covered

Savings rate18%Income minus expenses, as a share of incomeModelled target · 30%

SIP rate15%Monthly SIPs as a share of incomeModelled target · 25%

Emergency fund15%Cash / FD divided by monthly expensesModelled target · 6 months

Debt load12%Liabilities as a share of annual incomeModelled target · Below 100%; score reaches zero at 200%

Equity mix10%Actual equity share versus an age-adjusted allocationModelled target · max(30%, 100 − age)

Life cover10%Recorded term cover as a multiple of annual incomeModelled target · 10×

0–40

Fragile

Your first priority is more breathing room.

41–65

Building

Your foundations are forming; one clear next move matters most.

66–85

On track

The foundations are working; now strengthen the weakest gap.

86–100

Secure

Your plan is broadly resilient; keep checking the assumptions.

Comparisons

Benchmarks are labelled as modelled targets or rules of thumb. They are not presented as population facts.

What this is not

Not a credit score and not investment advice. It is a planning aid built from your entries and clearly stated rules of thumb.

Where our numbers come from: RBI · EPFO · Income Tax Department · SEBI

Take the Quick estimate Open the Full Vybe Score