Wallet Score.
Your financial health in one number.
Not a budgeting app. A financial operating system for India.
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. No login, completely private.
- 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.
Our Financial Story: Priya & Vikram
Real‑time score snapshot · Pune, IndiaHi, we’re Priya (33, product manager) and Vikram (35, data scientist). We’re using the Wallet Score to track our overall financial health and identify areas for improvement.
Our overall score is 72/100 – which puts us in the “Stable but Needs Optimization” range. Our Income pillar is strong at 70, but our Invest pillar at 62 needs attention.
We use the sliders to simulate different scenarios – for example, increasing our SIP ratio or reducing debt. The AI insights help us prioritise actions. We also track our income in the Income Wallet, expenses in the Expenses Wallet, and net worth in the Wealth Wallet.
- 💰 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.
Wallet Score Deep Dive
Understand the components that drive your financial health score.
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Read →Frequently asked questions
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