Enter your financial biodata once a year. Get a scored health report across savings, debt, insurance, investments & retirement. Track your progress year on year — completely free.
100% Free
42 Calculators
Year-on-year tracking
Made for India
Financial Health Score2025 vs 2024
74↑ +9 pts from 2024
Savings
82
Investments
68
Insurance
55
Debt Health
79
Retirement
48
Goals
72
202358 pts
202465 pts
202574 pts
42
Free Calculators
25
Health Questions
8
Report Dimensions
6
Financial Ratios
How it works
Four steps to financial clarity
Takes about 20 minutes. Do it once a year. Your future self will thank you.
01
👤
Register free
Create a secure account. Your data is stored privately for annual comparison — no product selling, ever.
02
📋
Enter your biodata
Fill in income, expenses, assets & liabilities, goals, insurance, loans, and risk profile — all in one place.
03
📈
Get your report
Receive a scored report across 8 financial dimensions with 6 key ratios and personalised action items.
04
🔄
Compare year on year
Return next year, update your data, and see exactly what improved and what still needs attention.
Financial Biodata
25-question health check-up
Answer honestly — every "No" is a gap to close. This is your starting diagnosis.
1
I know my exact monthly income and expenses
2
I know my current net worth
3
My financial documents are organised and accessible
4
I maintain a monthly budget
5
I regularly track my spending
6
My loans and EMIs are manageable
7
I save at least 20% of my income
8
I have a 6-month emergency fund
9
I am prepared for financial emergencies
10
I do not depend on loans for regular expenses
11
I have adequate life insurance coverage
12
I have adequate health insurance for my family
13
I review my insurance policies annually
14
I have written financial goals
15
I know how much money each goal requires
16
My investments align with my goals
17
My investments are diversified across asset classes
18
I understand investment risks and taxation
19
I know my retirement corpus requirement
20
I am investing adequately for retirement
21
I review my finances annually
22
I monitor my investments regularly
23
I avoid impulsive purchases
24
Money is a source of confidence, not stress
25
I value professional financial advice
"If you don't know where you are starting from, even the best GPS cannot help you reach your destination. The same goes for your money!"
Smart Financial Goals
22 life goals — all inflation-adjusted
We calculate the future value of every goal so you know exactly how much to start investing today.
🏠
Dream House Fund
Home purchase goal
🚗
Dream Wheels Fund
Car purchase goal
🎓
Child Education Fund
Graduation & PG
🏖️
Golden Years Fund
Retirement corpus
💍
Dream Wedding Fund
Marriage savings
✈️
World Tour Fund
Luxury vacation
🏢
Entrepreneurial Fund
Business startup
💎
Elegant Jewels Fund
Jewellery purchase
🏞️
Land & Building Fund
Real estate purchase
🤝
Joy of Giving Fund
Charity & donations
📚
Self-Enrichment Fund
Courses & upskilling
🕊️
Financial Freedom
Eternal prosperity
42 Free Tools
Every calculator you'll ever need
No login required. Open any tool and start calculating instantly.
📈
SIP Calculator
Future value of SIP
💰
Lumpsum Calculator
One-time investment
🏖️
Retirement Planner
Corpus needed
🏠
EMI Calculator
Home / car / personal
🧾
Income Tax
Old vs new regime
🏦
PPF Calculator
15-yr Public PF
🛡️
NPS Planner
Pension corpus
❤️
Life Cover Need
Term insurance
📉
CAGR Calculator
Return rate analysis
🔒
FD Maturity
Fixed deposit returns
🆘
Emergency Fund
Months buffer needed
⚖️
Net Worth
Assets vs liabilities
Your 2025 financial check-up is completely free.
Takes 20 minutes. Gives you a full year of financial clarity. No subscription. No hidden charges.
Financial Tools
All 42 free calculators
No login needed. Open any calculator and get instant results. Built for Indian investors.
📈
SIP Calculator
Monthly SIP growth
💰
Lumpsum Calculator
One-time investment
🪜
Step-Up SIP
Annual SIP increase
📊
CAGR Calculator
Compound return rate
🔒
FD Maturity
Fixed deposit returns
🏦
PPF Calculator
15-yr Public PF
🗓️
RD Calculator
Recurring deposit
⚖️
Net Worth
Assets vs liabilities
↙️
SWP Calculator
Systematic withdrawal
🐷
Savings Rate
% of income saved
📉
Inflation Calculator
Purchasing power
🪙
Gold / SGB Return
Sovereign gold bond
🥧
Asset Allocation
Equity vs debt mix
📄
Bond YTM
Yield to maturity
💸
Dividend Yield
Equity income
🌐
Overseas Education
Currency + inflation
🎯
Risk Profiler
Conservative–aggressive
🏠
Home Loan EMI
Monthly EMI
🚗
Car Loan EMI
Vehicle loan
💳
Personal Loan EMI
Unsecured loan
⚡
Loan Prepayment
Interest savings
%
Debt-to-Income
DSR ratio
🆘
Emergency Fund
Months buffer
💧
Liquidity Ratio
Cash readiness
❌💳
Credit Card Payoff
Debt freedom plan
🏖️
Retirement Planner
Full corpus needed
🛡️
NPS Planner
National Pension
🪙
Pension Income
Monthly pension
🔥
FIRE Calculator
Early retirement
🧾
Income Tax
Old vs new regime
📊
Capital Gains Tax
STCG / LTCG
🏗️
HRA Exemption
House rent allowance
🔐
80C Tax Saving
Deduction planner
🎁
Gratuity Calculator
Retirement benefit
❤️
Life Cover Need
Term insurance
🩺
Health Insurance
Cover adequacy
🚘
General Insurance
Motor & property
🎓
Education Goal
Inflation adjusted
💍
Wedding Fund
Marriage savings
🏡
House Goal
Down payment plan
✈️
Vacation Goal
Travel fund
🏪
Business Fund
Startup savings
Sample Report
Your annual financial health report
Not just a score — a full diagnosis with 8 dimensions, 6 ratios, and an action plan.
Overall Health Score
0 Poor50 Fair75 Good100 ✨
202358 pts
202465 pts
202574 pts
Emergency Fund (6 months)✓ Achieved
Debt-to-income ratio22% — Good
Savings rate28% — Very Good
Life insurance cover⚠ Needs review
Health insurance✓ Adequate
Retirement readiness48% on track
Investment diversification⚠ Too concentrated
Written financial goals set✓ 5 of 8 goals set
6 Key Financial Ratios
Savings Ratio
Monthly Savings ÷ Monthly Income × 100
28%
Above 20% = Very Good · Above 30% = Excellent
Liquidity Ratio
Liquid Assets ÷ Monthly Expenses
7.2 months
6–12 months = Good · Above 12 = Excellent
Debt Service Ratio
Total EMIs ÷ Gross Income × 100
22%
Below 35% = Manageable · Above 50% = High Risk
Asset-to-Debt Ratio
Total Assets ÷ Total Debt
3.8×
Above 1× = Stable · Above 3× = Very Strong
Current Ratio
Current Assets ÷ Current Liabilities
3.1×
2–5× = Good · Above 5× = Excellent Liquidity
Investment Assets %
Investment Assets ÷ Total Assets × 100
18%
Target: At least 20% of total assets as investments
About Us
Built for Indian families who deserve financial clarity
FinancialHealth.live was created with a single mission: to give every Indian family a clear, honest picture of their financial health — free of jargon, free of charge.
Most people go through life without ever measuring their financial fitness. They earn, spend, and hope — but never truly know if they are on track. We believe that changes when you have the right tools and a structured annual check-up.
Inspired by the idea that "treatment without diagnosis is navigating in the dark", we built a platform that mirrors what a certified financial planner would do in a first meeting — but makes it accessible to everyone, anytime, for free.
"In personal finance, prevention means planning, protection, and preparation. Cure often means debt, stress, and financial hardship."
— FinancialHealth.live
"All the returns in life, whether in wealth, relationships or knowledge, come from compound interest."
— Naval Ravikanth
🎯
Our mission
Make financial health check-ups a yearly habit for every Indian family — free, easy, and actionable.
🚫
No hidden agenda
We do not sell financial products. No commissions, no ads, no data selling. Your data is yours — always.
🇮🇳
Made for India
Built around Indian instruments — PPF, NPS, SCSS, ELSS, SGB, EPF, old vs new tax regime, and more.
🔒
Private & secure
Your financial data is encrypted and stored securely. It is never shared with third parties.
42
Free Tools
25
Health Questions
8
Report Dimensions
₹0
Cost — Forever
Contact Us
We'd love to hear from you
Questions, tool suggestions, bug reports, or collaboration — reach out anytime.
FinancialHealth.live is a free public service. We welcome feedback, new tool suggestions, and ideas to improve India's financial health — one family at a time.
🌐
Website www.financialhealth.live
✉️
Email hello@financialhealth.live
📍
Location India 🇮🇳
"Planning is important, but the most important part of every plan is to plan on the plan not going according to plan."
— Morgan Housel, The Psychology of Money
