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Free Financial Health Score · India

Your money, in four clear wallets. Scored in one number.

INDwallet organises everything you earn, spend, invest and protect into four connected wallets. Six weighted components combine into one Wallet Score out of 100 — with a live Decision Engine, a full Analysis, a Financial Persona and six Investor Styles built in.

Try the Decision Engine → 📊 Open Full Analysis Open App
Free Browser-based No deposits Educational

INDwallet is a financial planning tool, not a payments, UPI or crypto wallet. There is no APK to download and it never holds your money.

Last updated:

58 SCORE MONEY INIncome MONEY OUTExpenses GROWINGInvest PROTECTEDWealth
The 4-Wallet System

Four wallets, four jobs.

Each wallet has a different job. Together they tell you whether your money is earning, leaking, growing or protected.

Money in

Income Wallet

Salary, freelance, business, rental and dividends — the streams that feed the household.

Explore →
Money out

Expenses Wallet

Rent, groceries, healthcare, transport and lifestyle spending — where money leaks.

Explore →
Money growing

Investment Wallet

Equity, mutual funds, fixed income, gold and real estate — the compounding assets.

Explore →
Money protected

Wealth Wallet

Cash, emergency fund, insurance and pension — the buffer against shocks.

Explore →
How it works

From numbers to a clear next step.

Three checkpoints turn raw income and spending data into a live, rule-based plan. No account, no deposits, no bank details.

1

Enter your numbers

Salary, rent, investments, insurance — a small set of sliders. Nothing leaves your browser in Browser mode.

2

See six weighted scores

Income, Expenses, Liquidity, Investment, Wealth and Protection. Fixed weights: 15 / 18 / 18 / 18 / 16 / 15.

3

Get a next action

One Wallet Score out of 100, one Persona, one best-fit Investor Style — and a specific fix for the weakest wallet.

Live · Interactive

Your Decision Engine

Pick your profile — sliders auto-adjust. Score, Persona and Investor Style all update live as you move.

Your Profile

Income
₹1.50 L
₹0
Expenses
₹40 K
₹20 K
Assets
₹15 L
₹5 L
₹2 L
Protection
₹50 L
₹5 L
Demographics
32
55
2
58
Score

Moderate — several improvements needed

Emergency 2.6 mo · Savings 36%

Income
70
Expenses
63
Liquidity
32
Investment
77
Wealth
82
Protection
23
Move sliders to see your live scoreFull breakdown, insights and next steps are on the Analysis tab.

Want to see what your score actually means?

The Analysis tab unlocks the score breakdown, insights and next steps.

📊 Open Full Analysis →
Wallet Score

One number, out of 100.

Six weighted components combined by fixed rules. See your overall score, verdict band and the lowest-performing component.

58
Score

Moderate — several improvements needed

Emergency 2.6 months · Savings 36%

ComponentScoreAction
Protection23Add term + CI.
Liquidity32Add to reach buffer.
Expenses63Keep essentials under 50%.
Income70Solid foundation.
Investment77Portfolio funded.
Wealth82On track.
Financial Persona

What shape is your wallet taking?

Your Persona is built from your score band, dominant wallet, badges and demographic context.

⚡
Band 55-64 · Dominant: Wealth
The Momentum Maker

"Small wins, stacked daily."

Score
58
Age
32
Retire
55
Deps
2
Badges Earned
💎 Super Saver📈 Compound Captain
What Your Data Says
  • Dominant wallet: Wealth. This is your superpower — keep it protected while fixing gaps.
  • Weakest wallet: Protection at 23/100. Protection is a single-event risk.
  • Age 32, retirement 55. 23 compounding years ahead. Momentum — raise SIP 20%/year.
  • 2 dependents. Term benchmark ₹2.16 Cr (you hold ₹50.00 L).
  • Location: Metro. Emergency 6 months = ₹4.56 L. Health benchmark ₹15.00 L.
Investor Styles

Six wallet shapes. One best match.

Each archetype has specific targets across the four wallets. Your match is calculated from how your money is distributed.

✨
Brand Compounder
88%

Balanced spending and steady growth. Focus on compounding through consistent investment.

Income 60Expenses 60Investment 75Wealth 70
🏏
Sports & Tech Mix
85%

Strong income plus growth. Common among athletes, creators and tech founders with high earning power.

Income 75Expenses 45Investment 80Wealth 75
🌐
Diversified Builder
84%

Balance across all four wallets. A wide mix of equity, debt, real estate and cash — no single wallet dominates.

Income 70Expenses 45Investment 85Wealth 75
🏛️
Real-Asset Anchor
78%

Heavier on income and wealth through property, business or land. Trades liquidity for tangible ownership.

Income 80Expenses 50Investment 70Wealth 85
🚀
Growth Bettor
76%

Low expense, high investment. Aggressive accumulation — higher volatility for higher potential returns.

Income 55Expenses 30Investment 90Wealth 65
💎
Ultra-Long Holder
69%

Very heavy on wealth. Few concentrated bets held for decades — deep conviction, very low churn.

Income 55Expenses 40Investment 80Wealth 95
From the blog

Latest insights from the 4-wallet system

Twelve curated articles on the topics that shape your Wallet Score.

1 / 2

Track your wallet over time

The Base44 app adds goals, history and cross-device sync on top of the same wallet engine. Account-based. Analytics enabled. Web app only.

Open App →Open Dashboard
FAQ

Straight answers.

What is INDwallet?
INDwallet is a free, rule-based 4-wallet financial planner for India. It organises your money into four connected wallets — Income, Expenses, Investment, Wealth — and evaluates six weighted financial components to produce one Wallet Score out of 100.
How is my Wallet Score calculated?
Six weighted components: Income 15%, Expenses 18%, Liquidity 18%, Investment 18%, Wealth 16%, Protection 15%. Each responds to specific inputs, employment type and location benchmarks.
Is INDwallet free and private?
Yes. Browser mode is completely free and performs calculations in your browser — financial inputs are not transmitted to INDwallet servers. Base44 app mode has analytics enabled — review Base44's privacy policy before signing up.
Does INDwallet take deposits?
No. No deposits, no payments, no bank details, no APK. The only official locations are indwallet.com and indwallet.base44.app.
Is this financial advice?
No. All scores, personas, styles and recommendations are illustrative and educational. INDwallet is not a registered adviser, broker or bank, and this is not financial, investment, tax, insurance or legal advice. Tax and insurance rules change frequently — please do a personal check with a Chartered Accountant (CA) or a qualified tax professional before acting on any tax-related content.
What is a good financial health score in India?
On INDwallet's 0–100 Wallet Score, 65–79 is Good and 80 or above is Excellent. 50–64 is Moderate, 35–49 is Below average and under 35 needs urgent attention. The score is an educational benchmark, not a credit score or a regulated rating.
How do I check my financial health for free?
Open the Decision Engine on this page, pick your profile (student, salaried, freelancer, business or retired) and city type, then move the sliders for income, expenses, assets and insurance. Your Wallet Score, weakest wallet and next action update instantly. In Browser mode nothing is sent to a server.
Who built INDwallet?
Akshay Gopinath — digital media, ad-tech and business partnerships professional with over 14 years of experience. Previous roles include Country Manager at Investing.com and Partnerships Manager at ByteDance.
Author

About the author

AG

Akshay Gopinath

Founder, INDwallet · India

INDwallet was created by Akshay Gopinath, a digital media, ad-tech and business partnerships professional with over 14 years of experience. His previous roles include Country Manager at Investing.com and Partnerships Manager at ByteDance, working on TikTok and Helo in India. INDwallet is his independent contribution to financial literacy for Indian households.

Ready?

Three checkpoints. One connected system.

The Decision Engine reads your numbers. The Wallet Score measures them across six weighted components. Your Persona names the shape you are building.

Open Full Dashboard →📊 Open AnalysisOpen App
Wallet Score
58/100
Financial Persona
Momentum Maker
Best Style
Brand Compounder
Savings Rate
36%