India Roadmap support

Smart Money Checkup India

Use this as a quick diagnostic before or after building your India Roadmap. It checks budget, emergency fund, EMI burden, investment readiness, and goals, then suggests India-friendly calculator-backed tools where available.

Interactive scorecard

Enter your money snapshot

Educational only

AgeCountryMonthly income

INR

INR 1 lakhEssential expenses

INR

₹50,000Wants spending

INR

₹25,000Savings/investments

INR

₹20,000Current emergency fund

INR

INR 1.5 lakhEMI/debt payments

INR

₹20,000Existing investments

INR

INR 5 lakhMain money goalRisk comfort

Home goalCar goalRetirement goal

Your scorecard

Overall Score

Your inputs show negative monthly cash flow. The first step is reconciling income, expenses, debt, savings, and investments before adding new commitments.

Cash-flow check

Monthly outflows

INR 1.15 lakh

Monthly deficit

₹15,000

Outflows exceed income by 15,000 per month before any new goal allocation.

Awareness summary

Monthly cash flow is the first area to reconcile.

A common educational sequence is to balance the monthly plan first, then review emergency savings, debt load, and investment readiness.

1. First area to review: monthly cash flowTotal outflows use 115.0% of income, creating a monthly deficit. Review this before adding new investments, EMIs, or goals.Open: Zero-Based Budget Calculator 2. Then inspect the budget splitEssentials use 50.0% of income and savings/investments use 20.0%. A simple budget rule can make the pressure points easier to see.Open: 50/30/20 Rule Calculator 3. Strengthen emergency bufferYour emergency fund covers about 3.0 months of essentials. Many people use 3 to 6 months as an educational checkpoint.Open: Emergency Fund Calculator India 4. Explore investment readinessBecause debt pressure and emergency coverage look more manageable under these inputs, the next educational area to review is long-term investing and compounding assumptions.Open: Rule of 72 Calculator

This is an educational awareness summary based only on your inputs. It is not financial, investment, tax, legal, or insurance advice.

Budget Score

20/100

Outflows use 115.0% of income. Essentials use 50.0%, wants use 25.0%, and savings/investments use 20.0%.

Emergency Fund Score

50/100

Your current emergency fund covers about 3.0 months of essential expenses.

Debt Health Score

70/100

Debt payments use about 20.0% of monthly income.

Investment Readiness Score

35/100

This combines savings rate, emergency reserve, current investments, debt load, and whether cash flow is positive.

Planning Completeness

76/100

This measures how complete the planning inputs are. It is shown separately and does not raise the financial health score.

Planning completeness

This measures how complete the planning inputs are. It is shown separately and does not raise the financial health score.

76/100

Financial health weights: budget 30%, emergency fund 25%, debt health 25%, investment readiness 20%.

Results update as you type. Use Generate scorecard when you want to record a completed checkup event and review recommendations.

Disclaimer

This scorecard is educational and uses only the inputs you provide.
It does not provide financial, investment, tax, legal, or insurance advice.
Before making important decisions, consult a qualified professional.