It’s a comprehensive financial health dashboard that tracks income, expenses, investments, emergency fund, and risk – all in one place. Adjust sliders to see real‑time updates and get AI‑powered insights.

No. All data stays in your browser. Refresh to reset – perfect for what‑if scenarios.

Yes, completely free. No hidden charges, no premium tiers.

Yes, fully responsive – works on phones, tablets, and desktops.

Savings Rate (30 pts): 50% savings = 30 pts
Equity Allocation (25 pts): 50% equity = 25 pts
Diversification (15 pts): 4 asset classes = 15 pts
Emergency Coverage (20 pts): 6 months = 20 pts
Risk Alignment (10 pts): bonus for matching risk to equity
Total is capped at 100.

• 80‑100 (Wealth Builder): Conservative – excellent financial health
• 60‑79 (Steady Saver): Moderate – good track, room to improve
• 40‑59 (Need Focus): Aggressive – action needed
• Below 40 (Critical): Immediate attention required

Savings Rate = (Monthly Income – Monthly Expenses) ÷ Monthly Income × 100%. It’s shown in real time as you adjust sliders.

Equity, Debt, Gold, and Fixed Deposit / Recurring Deposit. The allocation automatically balances to 100% as you adjust sliders.

It depends on your risk appetite and age. A common rule is 100 minus your age as the equity percentage. The dashboard compares your equity to the 50% benchmark for scoring.

Based on the number of asset classes with non‑zero allocation. 4 classes = 15 pts, 3 = 10 pts, 2 = 5 pts, 1 = 0 pts.

Target = Monthly Expenses × 6 (6 months of expenses). This is a standard financial safety net recommendation.

We assume you have saved 12 months of your current monthly savings. Current months = (12 × Monthly Savings) ÷ Monthly Expenses. This is a simulation – you can mentally adjust.

3‑6 months of expenses is adequate. 6+ months is healthy. Below 3 months is low and needs attention.

Based on your equity allocation: <30% = LOW, 30‑60% = MODERATE, >60% = HIGH. Higher equity means higher volatility.

POOR (1‑2 asset classes), FAIR (3 classes), GOOD (4 classes). More diversification reduces risk.

Your emergency fund in months. LOW (<3 months), ADEQUATE (3‑6 months), HEALTHY (6+ months).

If your equity allocation matches your risk selection (low ≤30%, med 30‑60%, high >60%), you get a 10‑point bonus. Partial alignment gives 5 pts.

The percentage breakdown of your assets across Equity, Debt, Gold, and FD – helps you check diversification at a glance.

A five‑dimensional radar chart showing Discipline, Emergency, Risk Management, Investment, and Income scores (0‑100 each).

Income, Expenses, and Savings side by side – your monthly surplus or deficit.

A horizontal bar chart comparing your five dimension scores to the optimal 100% target.

Based on your Wallet Score and individual metrics. For example, low emergency fund triggers a suggestion to build it; low equity prompts consideration of more growth assets.

Yes – they adapt to your specific numbers and risk profile in real time.

They are based on standard financial principles (emergency fund, diversification, risk alignment). Always consult a professional for major decisions.

No. All data stays in your browser. Refresh to reset – perfect for one‑time planning or what‑if scenarios.

The share box at the bottom shows your score and budget type. You can screenshot or copy the numbers.

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