Important: This is a financial education tool only — not SEBI-registered investment advice. All outputs are illustrative estimates based on your inputs. Consult a SEBI-registered adviser, IRDAI-licensed broker, and qualified CA before any financial decision.
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The financial check-up every Indian deserves — but rarely gets.
🏥 Health Score
🎯 Retirement
📋 Tax FY26
🛡️ Insurance HLV
Your Profile & Monthly Cashflow
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About You
Spouse + children + parents relying on your income
Monthly Cashflow
Post-tax, post-PF/NPS credited to bank account
Rent + groceries + utilities + school fees + transport
Dining + shopping + OTT + holidays
All loan EMIs combined — home, car, personal
⚠️ Your expenses exceed income — negative savings rate detected. This is the most urgent issue to fix before anything else.
Savings, Investments & Retirement
We model three scenarios (conservative, base, optimistic) so you see a range, not false certainty.
Current Savings
Savings account + liquid MF only — accessible within 24 hrs. Do NOT include FD, PPF, or EPF here.
Mutual fund SIPs + PPF + stocks + voluntary investments only. Do NOT include EPF or NPS here — those are entered separately below to avoid double-counting.
Check EPFO passbook at passbook.epfindia.gov.in. 0 if self-employed or govt employee.
Total EPF deposited per month — employee share (usually 12% of basic) + employer share (3.67% of basic). Check your salary slip or EPFO passbook for the exact amount. Enter 0 if unsure.
General Provident Fund balance. Check your GPF passbook / salary slip deduction × years.
Your NPS Tier-1 accumulated balance — not monthly contribution. Check CRA portal (npscra.nsdl.co.in).
Total NPS deposited per month — your contribution + employer contribution combined. Check your salary slip. If you already included NPS in your SIP above, enter 0 here to avoid double-counting. Enter 0 if you don't have NPS.
MF + stocks + PPF + FDs. Do NOT include EPF/GPF/NPS here — entered separately above.
% to increase your SIP every year. 10% = realistic (matches salary growth). 0% = flat SIP forever. Must be 0 or above.
Group term/health from employer — will NOT be counted in your cover (lapses when you leave).
Retirement Goals
CFPs recommend planning to 85–90 to avoid outliving money
⚠️ Planning until is below the CFP-recommended minimum of 85. The risk of outliving your money is real — longevity is the most under-estimated retirement risk in India. Consider changing this to 85.
How much do you want to spend per month in retirement, in today's rupees? We will inflation-adjust this to the actual retirement date.
Leave blank to auto-calculate from your current expenses (₹—/month).
✅ Using your entered requirement of ₹/month. This overrides the auto-calculated figure from your current expenses.
Note: healthcare inflation in India runs at 12–14%. General lifestyle inflation used here.
Insurance & Protection
We use the full Human Life Value (HLV) method: 100% of discounted future income + all liabilities.
Existing Cover
Pure term plan sum assured only. Do NOT include LIC endowment, ULIP, or money-back policies.
Your own personal / family floater policy only. Do not include employer group cover (entered above).
If covered by CGHS/ECHS, health gap will be assessed differently — supplement for private hospitals recommended.
Partial: Most private/PSU group policies. Lapses when you leave. Not portable. Doesn't cover post-retirement. Full: Select only if your employer provides comprehensive medical cover that continues after retirement (e.g. large PSU like ONGC/SAIL with lifetime scheme, CGHS-equivalent).
Cover ending at 65 but planning till 85 = 20 years of family protection gap.
Outstanding Liabilities
Home + car + personal + education loan principal remaining
Tax Optimisation Details
Tell us your regime first — we'll only show the fields that matter for you.
Which tax regime are you currently in?
🆕
New Regime
FY26 default. Zero tax up to ₹12L income. Fewer deductions.
📋
Old Regime
I've opted in. I claim 80C, HRA, 80D and other deductions.
🤔
Not Sure
I'll enter my salary and you suggest the better option.
Your Salary
Usually 40–50% of CTC. Check salary slip.
💡 Based on your salary:
🆕
New Regime Selected
Under the new regime, most deductions do not apply. Only employer NPS under 80CCD(2) is deductible — available in both regimes with no cap.
Max: 10% of basic+DA. Check Form 16 Part B. This is the ONLY deduction in new regime (other than ₹75K std deduction).
💰 You could save more in the Old Regime.
📋
Old Regime Selected
Enter only the deductions you actually use. Leave blank if not applicable — don't guess.
Salary Components
HRA component from salary slip. 0 if not in your salary structure.
0 if you own the house or live with parents.
Deductions You Are Currently Using
ELSS + PPF + LIC premium + home loan principal + EPF employee share
Extra ₹50K deduction beyond 80C. Enter 0 if you don't have NPS.
Also available in new regime. Max: 10% of basic+DA.
Self/family: max ₹25,000 + senior citizen parents: max ₹50,000
Annual interest only — not principal. From bank statement.
Actual travel cost, twice in 4-year block. Check Form 16 Part B.
Meal allowance ₹26,400/yr + transport + uniform. Check Form 16.
Interest on savings accounts only (not FDs). Senior citizens: 80TTB max ₹50K.
Eligible charity donations. Usually 50% or 100% deductible.
✅ Old Regime is better for you.
⚠️ New Regime may be better.
Share or download your report
⚖️ Read Before Acting: All figures are estimates based on your inputs. This tool does NOT hold SEBI, IRDAI, or any financial services licence. Outputs are illustrative and not personalised advice. Verify all numbers with a SEBI-RIA, CA, and licensed insurance broker before any decision. Past returns are not indicative of future results.
5-Pillar Analysis
Priority Action Plan
Key Numbers
Wealth Journey
Scenario Range — Conservative · Base · Optimistic
Recommended Asset Allocation
SIP Verdict
Old vs New Regime (FY 2025-26)
Deduction Utilisation
HLV Cover Requirements
Risk Level
Overall Insurance Risk Level
ProtectedModerate GapSeverely Underinsured
Coverage Audit
Your 30-Day Action Roadmap
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