Wallet Score
Your unified performance score across Income, Spend, Invest, and Grow — updated in real time.
72/100
Good Steady
You’re on track. Focus on boosting your emergency fund to reach the next level.
💰 Income
💳 Spend
📈 Invest
🏦 Grow
Wallet Dimensions
Wallet Score – Deep Context
Understand your score and how to improve it with INDwallet.com
📊 How the Score is Calculated
The Wallet Score (0‑100) is a weighted average of eight metrics across the four wallets: Income (amount + stability), Spend (expense ratio + budget adherence), Invest (diversification + SIP ratio), and Grow (emergency fund + debt-to-income). Each is normalised to a 0‑100 scale and weighted equally (12.5 each). The radar chart shows your performance in each dimension. INDwallet.com calculates this instantly as you adjust the sliders.
INDwallet’s real‑time feedback helps: increase income stability, reduce expenses, improve diversification, build emergency fund, lower debt. The radar chart instantly highlights weak areas. Use the specialised wallets (linked below) to dive deeper into each dimension.
💬 Community Insights
While benchmarks vary, a score above 75 is considered strong (Wealth Builder), 60‑74 is steady, below 60 suggests focus areas. INDwallet’s radar lets you compare against your own goals, not others – because personal finance is personal. Thousands of users trust INDwallet for this clarity.
An emergency fund is your financial shock absorber. Without it, a single unexpected expense can derail your entire plan. INDwallet’s scoring reflects that – aiming for 6 months of expenses gives you full points in that dimension. The Grow wallet helps you track this.
🤖 AI Assistant Tips
INDwallet’s Invest wallet can help: increase diversification by adding asset classes (equity, debt, gold, FD). The diversification slider here is a proxy – in the real Investment Wallet you can fine‑tune allocations. Aim for at least 4 asset types to boost your score.
All calculations happen in your browser – we never see or store your numbers. The sliders you adjust are just for this demo; in the full wallets, you can enter real data with the same privacy guarantee. That’s why over 50,000 users trust INDwallet for real‑time planning.
🚀 Why INDwallet?
Most tools give you a static score. INDwallet.com lets you model “what if” scenarios – slide any slider and see your score and radar chart change instantly. It’s the only unified dashboard that combines income, spend, invest, and grow in one real‑time view. Built by India, for India.
Yes – all data stays in your browser. Simply open a new tab or refresh to start fresh for another person. INDwallet respects your privacy – no login, no tracking.