Meet your Vybe Score.
One 0–100 number that answers the real question: am I doing okay? Seven benchmarks — savings rate, SIP rate, emergency fund, debt, retirement readiness, equity mix, life cover — each with a rating and a note on what to fix next.
Vybe Score & insights
One number that reflects your money health, plus what's driving it.
Your money is good
GoodScore blends 7 health checks — savings, SIP rate, emergency fund, debt, retirement, allocation, and life cover. Every input on other tabs feeds this number live.
What's driving your score
You're saving more than most Indians. Keep it up.
Route more of your savings into SIPs.
Prioritise this before any new SIP.
Debt-free. Beautiful.
On track to retire on your terms.
Under-invested in equity for your age.
Cover is there, but bump to 10× income.
Benchmarks blend common Indian personal-finance thumb rules (30% savings, 25% SIP, 6-month emergency fund, 10× life cover, age-based equity mix).
What-If scenarios
Nudge four levers. See how your Vybe Score, retirement target amount and Financial Freedom (FIRE) year shift — without changing your saved plan.
Move the levers
Vybe Score
Retirement target amount
Financial Freedom year
Sub-score impact
Health check
Six vitals of a healthy money life
True returns (XIRR)
Cash-in as negative, cash-out (or current value) as positive
Cashflows
Tip: investments negative, redemptions or current value positive.