Your money, rated 0 to 100.
One number from 0 to 100, built from seven things that matter: savings rate, SIP rate, emergency fund, debt load, retirement readiness, equity mix and life cover. Sixty seconds.
You know your weight. You know your CIBIL score. This is the number in between — how healthy your money actually is.
The seven benchmarks
Each check maps to a widely used Indian personal-finance thumb rule. You get a 0–100 sub-score and a rating (excellent, good, okay, needs work, critical), plus a note on what to fix next.
- Savings rateTarget: ≥ 30% of income
How much of every pay-cheque survives the month.
- SIP rateTarget: ≥ 25% of income
Actual monthly SIP as a share of income — investing muscle.
- Emergency fundTarget: 6 months of expenses
Cash & FD to weather job loss or a medical shock.
- Debt loadTarget: < 100% of annual income
Lower is better. Prepay high-interest debt first.
- Retirement readinessTarget: 100% of target amount
Projected total vs the total amount you'll actually need.
- Equity mixTarget: ≈ (100 − age)% in equity
Age-appropriate allocation between equity, debt and gold.
- Life coverTarget: ≥ 10× annual income
Pure term insurance so your family isn't stranded.
How the score is calculated
Each sub-score is clamped to 0–100 based on its target, then combined with weights: retirement readiness (20%), savings rate (18%), SIP rate & emergency fund (15% each), debt load (12%), equity mix & life cover (10% each). No black box — the formulas are visible in the code and you can read every calculation without signing up.
What "good" looks like
A Vybe Score of 85+ means you're saving 30%+ of income, running a healthy SIP, have six months of expenses in cash, low-to-zero debt, an age-appropriate equity mix and adequate term cover. Most people start in the 40–60 band. The point isn't perfection — it's knowing which lever to pull first.
Live "what-if" scenarios
Inside the Insights tab, four sliders let you simulate a SIP bump, a delayed retirement, a higher expected return, or a lower spend — and see the projected impact on your Vybe Score, retirement target amount and Financial Freedom (FIRE) age instantly. Your saved plan never changes; it's a sandbox for the "what if I just…" questions everyone asks.
How your data stays yours
Your numbers are encrypted on this device before they're stored. We hold your email — never your salary, savings or holdings. Sign in only if you want your plan to follow you across devices and your score history to track over time; even then, only you can read your data.