Wallet Score

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’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.

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.

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.

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 Invest 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.