Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 8 April 2026·Methodology
Independent decision-support tool. Artha Engine is not a financial services provider, does not sell loans or insurance, and has no commission relationships with banks or insurers.
Financial Health Score
Is your financial health actually improving? See your score across 6 pillars, simulate what-if scenarios, and compare against peers in your age band.
Save & share this scenario
Bookmark these inputs, copy a link, or send the result to someone.
Overall score
Fill in more of your profile to unlock a reliable score
Fix these first
Savings rate
0/100Enter monthly take-home and expenses to see your savings rate.
Fill in your income and expenses in any tool that uses them.
Emergency cushion
0/100Enter liquid cash and monthly expenses to size your runway.
Update your net-worth snapshot to include liquid cash.
Debt load
0/100Enter monthly take-home to see your debt-to-income ratio.
All sub-scores
Each pillar is weighted into the overall score. Close any data gaps (neutral badges) to improve reliability.
Income stability
needs dataweight 15%Job volatility not set — using neutral baseline.
Savings rate
needs dataweight 20%Enter monthly take-home and expenses to see your savings rate.
Emergency cushion
needs dataweight 20%Enter liquid cash and monthly expenses to size your runway.
Debt load
needs dataweight 15%Enter monthly take-home to see your debt-to-income ratio.
Investment diversification
needs dataweight 15%No assets entered yet — update your net-worth snapshot.
Insurance coverage
needs dataweight 15%Insurance coverage not yet set.
What-if simulator
Drag a slider to see how improving one area changes your overall score.
Drag any slider above to simulate a change
Income-band ideal
Benchmark
84
You
8
Debt-free baseline
Benchmark
83
You
8
How to improve the score
The score reads from your shared profile. Every tool on the platform that uses profile-linked fields feeds the score. Update one, the score updates automatically.
At a glance
- What it does
- Produces a single 0-100 score from your shared profile, rolling up six pillars: savings rate, emergency cushion, debt load, income stability, investment diversification, and insurance coverage.
- How it's computed
- Weighted average: savings rate 20%, emergency cushion 20%, debt load 15%, income stability 15%, investment diversification 15%, insurance coverage 15%.
- Grading
- A ≥ 90, B ≥ 80, C ≥ 70, D ≥ 55, F < 55. Reliability scales with profile completeness — sparse profiles are flagged.
- Best used for
- Tracking monthly progress on the pillars that actually matter. The only way to raise the score is to improve real finances — it can't be gamed.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Overall = weighted average of six sub-scores: savings rate (20%), emergency cushion (20%), debt load (15%), income stability (15%), investment diversification (15%), insurance coverage (15%).
- Each sub-score is derived from profile fields using plain heuristics, not hidden ML.
- Grade: A ≥ 90, B ≥ 80, C ≥ 70, D ≥ 55, F < 55.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Score reliability scales with profile completeness — sparse profiles get a 'low reliability' flag.
- Heuristics are intentionally conservative: a 6-month emergency fund is the baseline, EMIs above 35% of income are flagged, savings rate below 20% is flagged.
- Diversification rewards meaningful exposure (≥5% of total) across asset classes.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
How is my score different from a credit score?
Credit scores (CIBIL/Experian) measure your reliability as a borrower. The Financial Health Score measures the overall state of your plan — savings rate, cushion, debt load, diversification, and protection. They answer different questions.
Why is my reliability 'low' even though my score looks fine?
Reliability scales with profile completeness. If fewer than 40% of required fields are set, the score shows but is marked low-reliability. Fill in more fields across the platform — as you use other tools, the profile fills up automatically.
How often should I re-check the score?
Monthly is plenty. The score moves slowly — it's designed to track trend, not daily volatility. Most users see meaningful movement after 3-6 months of deliberate action.
Can I game the score?
Not usefully. Every sub-score tracks something real — saving more money, clearing debt, sizing insurance correctly. The only way to raise the score is to actually improve your finances.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Reserve Bank of India
India's central bank. Sets the repo rate that drives home loan interest, publishes lending guidelines, and regulates commercial banks.
Securities and Exchange Board of India
Regulates India's securities markets including mutual funds, ELSS schemes, and listed equity.
Income Tax Department of India
The Income Tax Department publishes official slab rates, deduction rules, and filing guidance every assessment year.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
What to do next
Comparison pages
No direct comparison yet.
Related guides
Long-form explainers that put the math behind this tool in context.
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Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
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