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.
One number that reflects your money health, plus what's driving it.
Score blends 7 health checks — savings, SIP rate, emergency fund, debt, retirement, allocation, and life cover. Every input on other tabs feeds this number live.
The foundations are working; now strengthen the weakest gap.
Benchmarks blend common Indian personal-finance thumb rules (30% savings, 25% SIP, 6-month emergency fund, 10× life cover, age-based equity mix).
Your next move
Build more runway →Savings rate
You have reached the modelled savings target. Keep it steady.
57%
target ≥ 30%
SIP rate
Route more of your savings into SIPs.
18%
target ≥ 25%
Emergency fund
Prioritise this before any new SIP.
2.3 mo
target 6 months
Debt load
Debt-free. Beautiful.
0% of income
target < 100%
Equity mix
Under-invested in equity for your age.
52%
target 72%
Life cover
Cover is there, but bump to 10× income.
5.6× income
target 10×
Nudge four levers. See how your Vybe Score, retirement target amount and Financial Freedom (FIRE) year shift — without changing your saved plan.