Roadmap support

Smart Money Checkup

Use this as a quick diagnostic before or after building your Roadmap. It checks budget, emergency fund, debt health, investment readiness, and goals, then suggests relevant calculator-backed tools and guides based on your inputs.

Interactive scorecard

Enter your money snapshot

Educational only

AgeCountryMonthly income

6,000Essential expenses

2,800Wants spending

1,500Savings/investments

1,000Current emergency fund

8,000EMI/debt payments

900Existing investments

25,000Main 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

6,200

Monthly deficit

200

Outflows exceed income by 200 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 103.3% 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 46.7% of income and savings/investments use 16.7%. A simple budget rule can make the pressure points easier to see.Open: 50/30/20 Rule Calculator 3. Build emergency awareness nextYour emergency fund covers about 2.9 months of essential expenses. A cash reserve is commonly reviewed before taking bigger risk-based decisions.Open: Emergency Fund Calculator 4. Keep retirement visibleOnce monthly basics are clear, retirement tools can translate expenses into a rough long-term corpus target.Open: Financial Freedom Number Calculator

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

Budget Score

32/100

Outflows use 103.3% of income. Essentials use 46.7%, wants use 25.0%, and savings/investments use 16.7%.

Emergency Fund Score

48/100

Your current emergency fund covers about 2.9 months of essential expenses.

Debt Health Score

75/100

Debt payments use about 15.0% 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

64/100

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.

64/100

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.