Wallet Score – Track & Improve Your Financial Health | INDwallet

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📊 Income · Spend · Invest · Grow

Wallet Score – Your financial health in one number

Adjust eight sliders to see how income, expenses, diversification, and emergency fund affect your overall Wallet Score. Get real-time insights. All in your browser — no signup, no tracking, completely private.

📊 Open Live Dashboard 💰 Income Wallet 🧠 Decision Engine

✔ 100% free ✔ No data stored ✔ India-first ⚡ Under 30 seconds

1. Tune your score inputs
2. Live score dashboard
3. Five rules-based insights
4. Overall Wallet Score
5. Real household story
6. Wallet Score best practices
7. Articles & insights
8. Browser vs App mode
9. Frequently asked questions

Step 1 · Interactive

Tune your score inputs

Your Wallet Score is built from eight inputs across income, spend, invest, and grow. Drag the sliders below — every pillar score, the radar chart, and your overall Wallet Score recalculate live.

8 interactive sliders · income, spend, invest, grow
Live recalculation — nothing stored
Read: What is the Wallet System?

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Your financial inputs 8 sliders · each color matches its pillar

You’ve tuned your inputs. Ready to see what to fix first? Open the Decision Engine →

Step 2 · Visualise

Your live score dashboard

Four pillars — Income, Spend, Invest, Grow. Together they show where you’re strong and where to focus. The radar plots each pillar; the four stat boxes give you the raw numbers.

Radar — how balanced your four pillars are
Stats — each pillar score 0–100
Cross-check with Income · Expenses · Investment · Wealth

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💰 Income

—

💸 Spend

—

📈 Invest

—

🛡️ Grow

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Pillar Radar

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Overall Score

out of 100

Good – Needs Optimization

Analysis: Your Wallet Score is a weighted average of six components: Income 15%, Expenses 18%, Liquidity 18%, Investment 18%, Wealth 16%, Protection 15%. Weakest displayed pillar: Income at 55/100. Consider strengthening income stability and diversification.

Want a snapshot for your records or CA? Download the PDF →

Step 3 · Read the signals

Five rules-based insights

Charts show the picture. Insights explain what to do. Five rules run silently behind your sliders — savings rate, SIP discipline, emergency buffer, debt ratio, weakest pillar. Each carries a status so you can scan in ten seconds.

Savings rate — 20%+ healthy?
SIP — 25%+ of income?
Emergency — 6 months+?

Step 4 · Score

Overall Wallet Score

From 0 to 100 — a weighted average of six components. Above 80 is Wealth Builder territory. 60–79 is solid. Below 40 needs urgent action. The score blends income, expenses, liquidity, investment, wealth, and protection.

0–100, higher is more resilient
Above 80 — Wealth Builder
Feeds the overall Wallet Score

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Overall Wallet ScoreYour financial health

73 /100 Good – Needs Optimization

Your Wallet Score is a weighted average of six components. Focus on your weakest pillar for the biggest gain.

Step 5 · Real household

Our financial story

Real families plan in the kitchen, not on spreadsheets. Priya and Vikram live in Pune, both work full-time, and track their Wallet Score monthly. Their numbers are live — the story is wired to the same data model you’re using.

Dual income, eight financial inputs
Uses Wallet Score monthly
Read: Find your FI number

👥

Priya & Vikram · Pune, India

Real‑time score snapshot

Live

Hi, we’re Priya (33, product manager) and Vikram (35, data scientist). We use the sliders to understand our overall financial health and identify where to focus.

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Wallet Score

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Income

—

Invest

Our overall score is — — we’re in the “—” range. Our Income pillar is —, and Invest pillar is —. Track income in the Income Wallet, expenses in the Expenses Wallet, and net worth in the Wealth Wallet.

Step 6 · Playbook

Wallet Score best practices

Nine rules we wish every earner knew. They’re not exotic — most show up in every personal-finance book. But they’re also the ones that get skipped. The list adapts to your sliders: weak pillars light up, debt nudges you.

Savings rate 20%+
Emergency fund 6 months
Tax check via Tax Simulator

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Your personalised Wallet Score rulesReflects the sliders above

You’ve read the playbook. Ready to turn these rules into one action? Open the Decision Engine →

Step 7 · Read more

Wallet Score deep dive

Six guides covering the components that drive your financial health: net worth, savings rate, emergency fund, asset allocation, debt ratios, and income diversification. Short, India-first, jargon-free.

Six India-first guides
Covers savings, allocation, debt
Includes the wallet-system explainer

Net Worth

Net Worth Calculator India (2026)

Know where you stand, build from there.

Read → Savings

Savings Rate India (2026)

The number that actually matters.

Read → Emergency

Emergency Fund Formula India

Your financial cushion, calculated exactly.

Read → Allocation

Asset Allocation by Age

The right mix for your risk profile.

Read → Debt

Debt-to-Income Ratio India

How much loan is too much?

Read → Income

Income Diversification India

Build multiple streams for stability.

Read →

Take your wallets with you

Two modes, one promise. Browser mode keeps everything on your device. App mode adds goals and cross-device sync, hosted on Base44 with strict data and privacy controls. Both free.

🛡️Browser mode

Zero data. Nothing leaves your device.

Every wallet runs in your browser. No login, no server storage, no tracking. Close the tab and everything is gone.

Open Dashboard →

📱App mode · Base44

Goals & sync, hosted on Base44.

The app adds goals, history and cross-device sync. Runs on Base44, which follows strict data and privacy controls.

Open Base44 app →

Both modes are 100% free. Browser mode collects nothing. App mode is hosted on Base44 — please review Base44’s privacy policy before signing up.

Step 8 · Answers

Frequently asked questions

📊 Understanding the score

How is the Wallet Score calculated?

The Wallet Score (0–100) is a weighted average of six components: Income 15%, Expenses 18%, Liquidity 18%, Investment 18%, Wealth 16%, Protection 15%. Each sub-score is normalised to 0–100 and weighted to produce the final score.

How can I improve my score quickly?

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% expense reduction or 5% SIP increase can lift the score 5–8 points.

What’s a good Wallet Score for my age?

Above 75 is strong (Wealth Builder), 60–74 is steady, below 60 needs attention. Explore LifeStages Wallet for stage-adjusted targets.

Why is emergency fund weighted so heavily?

An emergency fund is your shock absorber. Without it, one unexpected expense can derail your plan. 6 months of expenses earns full points in that dimension. Use the Emergency Fund Calculator to find your target.

My Invest pillar is low — what should I change?

Increase diversification to at least 4 asset classes (equity, debt, gold, FD), and aim to invest 20–30% of monthly income. Use the Investment Quest Simulator to practice allocation.

🔒 Privacy

Is my data safe?

Yes — INDwallet runs entirely in your browser. No income, expense, or investment data ever leaves your device. Zero servers, zero tracking. Read our Privacy Policy.

How does Wallet Score connect to the other wallets?

The score pulls insights from the Income, Expenses, Investment, and Wealth wallets — together a complete financial operating system.

The wallet intelligence loop

Three checkpoints that define your wallet

The Decision Engine reads your income, expenses, investments and protection. The Wallet Score measures them. The Investor Style shows the shape to aim for. Every other section builds on those three checkpoints.

🧠 Open Decision Engine 📊 Live Dashboard 🖨️ Download PDF

Free · Browser: zero data · App on Base44: strict controls