Financial health check
Assumptions
Descriptive financial check, not a credit/health score or product recommendation. Monthly surplus = take-home income − living costs − debt payments − savings. Debt-payment and savings ratios use take-home income. Emergency months = accessible savings / (living costs + EMIs). No arbitrary good/bad thresholds, invented score, insurance adequacy or account-data completeness is inferred.
Estimates are not personalised financial advice. Review assumptions before use.
Unallocated monthly surplus
Based on your inputs. Not guaranteed.
Monthly cash flow
A negative balance means entered commitments exceed income. Savings are allocated money, not another expense estimate.- Income₹1 lakh
- Living costs-₹50,000
- Debt payments-₹15,000
- Savings-₹20,000
- Unallocated / deficit₹15,000
A negative balance means entered commitments exceed income. Savings are allocated money, not another expense estimate.
View detailed breakdown
How should I use these ratios?
Review debt payments and savings against income separately. These are transparent ratios, not a combined score or a product recommendation.
Detailed results
| Result | Value |
|---|---|
| Unallocated monthly surplus | ₹15,000 |
| Debt payments / income | 15 % |
| Savings / income | 20 % |
| Emergency savings cover | 4.6 months |
| Net worth | ₹20 lakh |
A negative surplus means the entered outgoings exceed income. These are descriptive ratios, not a scored assessment.