Your Wealth Score
A two-minute financial health checkup. Eight markers — the same ones planners look at — turned into one score out of 100, with the three actions that would raise it most.
How the Wealth Score works
Each of eight markers earns up to 12.5 points. The benchmarks are common planning rules of thumb, not regulations:
- Savings rate: full marks at 25% or more of take-home pay invested each month.
- Emergency cushion: full marks at 6 months of essential expenses.
- Debt load: full marks when EMIs are 20% of income or less; none at 50% or more.
- Life cover: full marks at term cover of 10 times annual income.
- Health cover: full marks at ₹10 lakh or more of family cover.
- Wealth for your age: investments compared with a rough target of annual income × (age − 25) ÷ 3.
- Paperwork: nominees on every account and a written will.
- Clarity: written goals with amounts and dates.
A score is a starting point for a conversation, not a verdict. Families with dependants, business income or large upcoming goals may need different benchmarks.