How is the Financial Health Score calculated?

Five weighted pillars: emergency fund (25) measured in months of your expenses, insurance protection (25), debt health (20), savings rate (15) and retirement readiness (15). Every input stays in your browser and the same inputs always produce the same score.

Why does the roadmap order the steps this way?

Each step protects the ones after it. An emergency fund stops a shock from destroying your investments; insurance stops one event from destroying the emergency fund; clearing high-interest debt is a guaranteed return no investment matches. Only then does growth become safe to pursue.

Does this recommend funds or products?

Never. The roadmap names categories of action (term insurance, SIP investing, tax-regime check) and links to our calculators and guides. It contains no product names, no fund names and no affiliate placements.

What do the target amounts mean?

They are computed from your own inputs using declared planning heuristics: 6 months of your expenses for the emergency fund, roughly 10 times annual income for term cover, a 20% savings rate, and an age-based retirement ladder. Every heuristic is listed in the methodology below.

Why is the tax step never marked done?

Because the regime choice is a yearly decision that repays checking every year — the calculator computes both regimes on your real numbers in minutes.

Is my financial data stored anywhere?

No. Everything is computed in your browser; nothing is transmitted, stored or logged. Close the tab and it is gone.

Financial Roadmap

Turn your financial situation into a step-by-step action plan: a Financial Health Score across five pillars, and the canonical eight-step sequence — emergency fund, insurance, debt, tax, investing, retirement, wealth — with gaps computed from your own numbers. Deterministic, private, and product-free.

v1.0.0Updated Jul 2026

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Last updated

Jul 2026

Reviewed by

EasyTechLabs Finance Team

Calculation method

Documented in “How this is calculated” below

Official sources

RBI — household finance guidance, IRDAI — insurance basics, Income Tax Department (regime comparison)

How this is calculated

Formula

Health Score = Σ(pillar score × weight) — Emergency 25 · Protection 25 · Debt 20 · Savings 15 · Retirement 15 · Actions follow the fixed sequence: emergency fund → health cover → term life → high-interest debt → tax → investing → retirement → wealth

Calculation method

Each pillar is scored 0–1 from your inputs and weighted to a 0–100 score. Emergency: months of expenses saved vs a 6-month target. Protection: health cover vs a ₹5-lakh floor, and (only when someone depends on your income) term cover vs ≈10× annual income. Debt: EMIs vs a 40%-of-income ceiling, and any high-interest balance zeroes half the pillar. Savings: monthly investing vs a 20%-of-income benchmark. Retirement: corpus vs an age-band ladder (≈1× annual income by 30, 3× by 40, 6× by 50, 8× by 60). Each roadmap step is marked done, pending, or not-applicable from the same inputs; the first pending step is where you start, and every gap amount is arithmetic on your own numbers.

Assumptions

Emergency-fund target: 6 months of stated monthly expenses (3 months treated as the working minimum)
Term-cover heuristic: ≈10× annual income, applicable only when a partner or dependants rely on the income
Health-cover floor: ₹5 lakh per household
Healthy savings-rate benchmark: 20% of take-home income
EMI ceiling: 40% of take-home income
Retirement ladder (corpus vs annual income): 1× by 30 · 3× by 40 · 6× by 50 · 8× by 60 — a widely used planning heuristic, not a regulation
Timelines estimate the effort of completing each step, never market outcomes

Limitations

A planning aid, not financial advice — it cannot see income stability, health history, family obligations or local costs
Heuristics are population-level rules of thumb; a fee-only SEBI-registered adviser can calibrate them to you
No return projections are made anywhere; growth outcomes belong to the individual calculators where you set the assumptions
Recommends categories of action only — never products, funds, insurers or platforms

Official sources & references

Frequently Asked Questions

Financial Roadmap

v1.0.0Updated Jul 2026

Your roadmap

How this is calculated

Formula

Calculation method

Assumptions

Emergency-fund target: 6 months of stated monthly expenses (3 months treated as the working minimum)
Term-cover heuristic: ≈10× annual income, applicable only when a partner or dependants rely on the income
Health-cover floor: ₹5 lakh per household
Healthy savings-rate benchmark: 20% of take-home income
EMI ceiling: 40% of take-home income
Retirement ladder (corpus vs annual income): 1× by 30 · 3× by 40 · 6× by 50 · 8× by 60 — a widely used planning heuristic, not a regulation
Timelines estimate the effort of completing each step, never market outcomes

Limitations

A planning aid, not financial advice — it cannot see income stability, health history, family obligations or local costs
Heuristics are population-level rules of thumb; a fee-only SEBI-registered adviser can calibrate them to you
No return projections are made anywhere; growth outcomes belong to the individual calculators where you set the assumptions
Recommends categories of action only — never products, funds, insurers or platforms