Wallet Score
WALLET SCORE
72/100
Stable but Needs Optimization
💰 Income Score
70
- Income diversity70%
- Stability70%
- Growth potential60%
💸 Spend Score
68
- Expense ratio62%
- EMI burden20%
- Savings rate38%
📈 Investment Score
62
- SIP consistency80%
- Goal alignment65%
- Time horizon70%
🛡 Wealth Score
71
- Net worth₹28L
- Emergency fund6 months
- Retirement readiness65%
🧠 AI Insights
- Your savings rate is below optimal (18%)
- Increase SIP by ₹3,000 to hit retirement target
- Emergency fund covers only 3 months (target: 6)
🎯 Improve My Score ▼
📈 Open Investment Wallet
🔧 Fix Spend Leaks
📈 Increase SIP by ₹3,000
💸 Reduce expenses by 10%
🛡 Build emergency fund to 6 months
📘 Your financial story
Meet Priya and Vikram, a couple in their early 30s building their financial future in Pune. Their journey shows how the Wallet Score brings clarity to complex money decisions.
Priya’s Income metrics reflect her stable ₹80,000/month salary with 70% stability – a solid foundation. Vikram’s Spend metrics show expenses at 62% of income and budget adherence of 80%. Their Invest metrics suggest room for diversification – 60% diversification and 25% SIP ratio. The Grow metrics show a healthy 6‑month emergency fund and 20% debt-to-income ratio.
Together, their average score of 69 places them as “Steady Builder” – on the right track but with opportunities to improve.
📋 Best practices for a higher Wallet Score
- Income stability: Aim for at least 80% (regular salary + side income).
- Expense ratio: Keep monthly expenses below 50% of income.
- Budget adherence: Track every rupee – staying within budget boosts your score.
- Diversification: Spread investments across equity, debt, gold, and FD.
- SIP discipline: Invest at least 20‑30% of your income monthly.
- Emergency fund: Build 6 months of expenses in a liquid fund.
- Debt management: Keep total EMIs under 30% of income.
- Review quarterly: Use INDwallet’s specialised wallets to track progress.
Frequently asked questions
What factors make up the Wallet Score? +
How can I improve my score? +
Use INDwallet’s real‑time feedback: increase income stability via the Income Wallet, reduce expenses with the Expenses Wallet, improve diversification using the Investment Wallet, and build an emergency fund in the Wealth Wallet.
What’s a good Wallet Score for someone my age? +
While benchmarks vary, a score above 75 is considered strong (Wealth Builder), 60‑74 is steady, below 60 suggests focus areas. For age‑based context, explore the LifeStages Wallet which provides tailored guidance for each decade.
Why is emergency fund weighted so heavily? +
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. Use the Emergency Fund Calculator and track it in the Wealth Wallet.
My score is low in “Invest”. What should I do? +
INDwallet’s Investment Wallet can help: increase diversification by adding asset classes (equity, debt, gold, FD). Aim for at least 4 asset types to boost your score. Also check the Investment Quest Simulator for interactive learning.
How does INDwallet keep my data private? +
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. Read our Privacy Policy for details.
What makes INDwallet different from other score tools? +
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. Explore all wallets at indwallet.com/mywallet.
Explore the four wallets
Start with any wallet — track, optimize, and grow