Income
Spend
Invest
Wealth
Income Score
70
/100
Spend Score
68
/100
Invest Score
62
/100
Wealth Score
71
/100
Wallet Score
Income · Spend · Invest · Grow
Income · Spend · Invest · Grow
Wallet Score — Your financial health in one number
Adjust the eight sliders below to see how income stability, expenses, diversification, and emergency fund affect your overall Wallet Score. Get real‑time AI‑powered insights.
✔ 100% Free✔ No Data Stored✔ India-First⚡ Takes under 30 seconds
70
💰 Income
68
💸 Spend
62
📈 Invest
71
🛡 Wealth
🎛️ Wallet Score Sliders Adjust all eight metrics
📊 Overall Score
72/100
Stable but Needs Optimization
Adjust sliders to see your overall score and grade.
AI‑Powered Insights
- Your savings rate is below optimal (18%). Aim for at least 20%.
- Increase SIP by ₹3,000 to hit retirement target.
- Emergency fund covers only 3 months (target: 6). Build a buffer.
Your financial story
Best practices for a higher Wallet Score
- 💰 Income stability: Aim for at least 80% (regular salary + side income). Use the Income Wallet to track streams.
- 💸 Expense ratio: Keep monthly expenses below 50% of income. Monitor via the Expenses Wallet.
- 📊 Budget adherence: Track every rupee – staying within budget boosts your Spend score.
- 📈 Diversification: Spread investments across equity, debt, gold, and FD. Use Investment Wallet.
- 🎯 SIP discipline: Invest at least 20‑30% of your income monthly via SIPs.
- 🛡️ Emergency fund: Build 6 months of expenses in a liquid fund. Check Emergency Fund Calculator.
- 📉 Debt management: Keep total EMIs under 30% of income. Track in Wealth Wallet.
- 🔍 Review quarterly: Revisit your Wallet Score to monitor progress.
Explore More
Wallet Score Deep Dive
Understand the components that drive your financial health score.
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Read →Frequently asked questions
wallet score calculationimprove financial healthemergency fund importancesavings ratediversification
📊 Understanding the Score
The Wallet Score (0‑100) is a weighted average of eight metrics across the four INDwallet pillars: Income (monthly amount + stability), Spend (expense‑to‑income ratio + budget adherence), Invest (diversification + SIP ratio), and Grow (emergency fund months + debt‑to‑income). Each sub‑score is normalised to a 0‑100 scale and weighted equally to produce the final score.
Focus on the weakest pillar: increase income stability via the Income Wallet, reduce expenses using the Expenses Wallet, improve diversification with the Investment Wallet, and build emergency savings in the Wealth Wallet. Even a 10% reduction in expenses or a 5% increase in SIP can raise your score by 5‑8 points.
While benchmarks differ by life stage, a score above 75 is considered strong (Wealth Builder), 60‑74 is steady, and below 60 needs attention. For tailored guidance, explore the LifeStages Wallet which adjusts targets for students, professionals, families, pre‑retirees, and retirees.
An emergency fund is your financial shock absorber – without it, a single unexpected expense can derail your entire plan. INDwallet’s scoring reflects that reality: 6 months of expenses gives you full points in that dimension. Use the Emergency Fund Calculator to find your target and track it in the Wealth Wallet.
INDwallet’s Investment Wallet can help: increase diversification by adding at least four asset classes (equity, debt, gold, FD). Aim to invest 20‑30% of your monthly income. Also use the Investment Quest Simulator for interactive learning on asset allocation.
🔒 Privacy & Data
Absolutely. All calculations run entirely in your browser – no income, expense, or investment data ever leaves your device. We use zero servers, zero tracking, and zero data storage. Read our Privacy Policy for full details.
The Wallet Score pulls insights from each specialised wallet – the Income Wallet, Expenses Wallet, Investment Wallet, and Wealth Wallet. Together they form a complete financial operating system, and this score is your dashboard for overall health.
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