Life Score — Your Financial Health Score

Section 1 of 5 4 questions

Please answer all questions before proceeding.

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Savings Foundation

Up to 20 points · Questions 1–4

Question 1

Do you have an emergency fund?

Yes — 3+ months of expenses saved5 pts

Yes — 1–2 months saved3 pts

Less than 1 month saved1 pt

No emergency fund0 pts

Question 2

What % of your monthly income do you save or invest?

30% or more5 pts

20–30%4 pts

10–20%3 pts

Less than 10%1 pt

I don't save anything currently0 pts

Question 3

Do you have a separate savings account or FD for specific goals?

Yes — multiple goals funded separately5 pts

Yes — one goal funded3 pts

No, but I'm planning to1 pt

No0 pts

Question 4

How many months could you sustain your current lifestyle without any income?

12 months or more5 pts

6–12 months4 pts

3–6 months2 pts

Less than 3 months0 pts

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Investments & Wealth Building

Up to 25 points · Questions 5–8

Question 5

Do you invest in equity (stocks, mutual funds, or ETFs)?

Yes — I have a regular SIP running7 pts

Yes — occasional lumpsum investments4 pts

No, but I plan to start soon1 pt

No equity investments at all0 pts

Question 6

What is your investment portfolio worth compared to your annual income?

More than 5× my annual income7 pts

2–5× my annual income5 pts

1–2× my annual income3 pts

Less than 1× my annual income1 pt

I have no investments0 pts

Question 7

Are you invested in PPF / NPS / EPF for long-term retirement savings?

All three — PPF, NPS, and EPF6 pts

Two of them4 pts

One of them2 pts

None0 pts

Question 8

Have you started investing specifically for retirement?

Yes — with a clear target corpus and timeline5 pts

Yes — loosely, without a specific target3 pts

Not yet, but I'm young — will start later1 pt

No retirement savings at all0 pts

🛡️

Insurance Coverage

Up to 20 points · Questions 9–12

Question 9

Do you have term life insurance?

Yes — adequate cover (10× income or more)7 pts

Yes — but unsure if the cover is adequate4 pts

No term insurance0 pts

Question 10

Do you have health insurance?

Yes — family floater policy with ₹10L+ cover6 pts

Yes — individual policy or employer-provided only3 pts

No health insurance0 pts

Question 11

Is your family financially protected if something happened to you?

Yes — very well covered (insurance + savings)4 pts

Somewhat — could manage for a while2 pts

Not really — they'd struggle financially0 pts

Question 12

Do you review your insurance coverage annually?

Yes — I review every year3 pts

No — I set it and forget it0 pts

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Debt Management

Up to 20 points · Questions 13–16

Question 13

Do you pay your credit card bill in full every month?

Always — I never carry a balance7 pts

Usually — miss occasionally4 pts

Sometimes2 pts

Rarely or never / Don't have a credit card0 pts

Question 14

What % of your monthly income goes towards loan EMIs?

0% — I have no outstanding loans5 pts

Less than 20% (healthy range)4 pts

20–35% (stretching)2 pts

More than 35% (over-leveraged)0 pts

Question 15

Do you have any high-interest debt (credit card outstanding, personal loans)?

No — completely debt-free on high-cost debt5 pts

Small amount — less than 1 month's salary2 pts

Significant amount outstanding0 pts

Question 16

Is your CIBIL score above 750?

Yes — above 750 (Excellent)3 pts

Between 650–750 (Good)2 pts

Below 650 (Needs work)1 pt

I don't know my CIBIL score1 pt

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Goals & Planning

Up to 15 points · Questions 17–20

Question 17

Do you have clear, written financial goals with timelines?

Yes — detailed plan with amounts and dates4 pts

Yes — rough idea in my head2 pts

No financial goals defined0 pts

Question 18

Do you have a will or estate plan in place?

Yes — I have a will / nominee in all accounts3 pts

No, but I'm planning to do this soon1 pt

No — haven't thought about it0 pts

Question 19

Do you review your finances or track your budget monthly?

Yes — every month without fail4 pts

Quarterly2 pts

Rarely1 pt

Never — I don't track finances0 pts

Question 20

Do you have a plan to achieve financial independence (FIRE)?

Yes — I know my target corpus and target date4 pts

Loosely — I want to but haven't calculated it2 pts

No plan for financial independence0 pts

YOUR FINANCIAL LIFE SCORE

0/100

📊 Score Breakdown

🕸️ Your Financial Profile

🚀 Your Personalised Action Plan

Based on your weakest areas — prioritised for maximum impact

Improve Your Score → Try These Calculators

Tailored to your weakest areas

Why Financial Health Matters: The 5 Pillars

True financial health isn't just about how much you earn — it's about how well your money works for you across five critical dimensions. Missing even one pillar can leave you financially vulnerable, regardless of your income.

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Savings Foundation

Your safety net. Without an emergency fund, any financial shock can derail years of progress.

📈

Investments

Money at work. Inflation erodes savings — investing is how wealth compounds over time.

🛡️

Insurance

Risk transfer. One health emergency or accident without coverage can wipe out a decade of savings.

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Debt Management

Leverage control. High-interest debt compounds against you — eliminating it is the highest guaranteed return.

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Goals & Planning

Direction. Without clear goals and a plan, even high earners drift without building lasting wealth.

How the Life Score is Calculated

The Life Score is a 100-point composite score across five weighted dimensions. Each dimension reflects its relative importance in overall financial health: Savings Foundation (20 pts), Investments & Wealth Building (25 pts), Insurance Coverage (20 pts), Debt Management (20 pts), and Goals & Planning (15 pts).

Each question is weighted based on the impact of that specific behaviour on long-term financial security. For example, having a term life insurance policy with adequate coverage carries more weight than reviewing insurance annually — because the first is a critical safety net, while the second is good practice.

The radar chart normalises each dimension to a 0–100 scale so you can visually identify your strongest and weakest areas at a glance.

What the Average Indian Scores — and the Common Weak Spots

Based on financial survey data and RBI household savings reports, the average urban Indian between 25–45 scores roughly 42–55 on the Life Score. The most common weak spots are:

🛡️ Insurance (most common gap): Only ~4% of Indians have adequate term life insurance (10× income cover). Most either have no insurance or a traditional endowment/ULIP that provides inadequate cover at high cost.

🏦 Emergency Fund: More than 65% of Indians do not have 3 months of expenses saved separately. Most rely on FDs or credit cards in emergencies.

🎯 Goals: While most Indians save, very few have a written financial plan with specific goals, timelines, and target amounts.

30-Day Financial Health Challenge

Ten simple actions you can take this month to meaningfully improve your Life Score:

Day 1–3Open a dedicated savings account for your emergency fund

Day 4–5Check your CIBIL score free on CIBIL.com or BankBazaar

Day 6–7Start a ₹1,000/month SIP in a Nifty 50 index fund

Day 8–10Get a term insurance quote on Ditto or PolicyBazaar

Day 11–12Review your health insurance — is the cover enough?

Day 13–15Set up auto-debit for credit card full payment

Day 16–18Write 3 financial goals: amount, timeline, purpose

Day 19–21Add nominees to all bank accounts, demat, insurance

Day 22–25Open NPS Tier-I account for extra retirement savings + tax benefit

Day 26–30Retake the Life Score — celebrate your improvement!

Frequently Asked Questions

How often should I retake the Life Score quiz?

We recommend retaking the quiz every 3–6 months. Your financial situation changes — income increases, debt reduces, new investments are made — and your score should reflect those improvements. Set a calendar reminder to check in every quarter.

Is my data stored or shared anywhere?

No. The Life Score calculator runs entirely in your browser. No data is sent to any server. We do not collect, store, or share your answers. You can verify this by inspecting network requests while taking the quiz — there are none.

What is a good Life Score?

A score of 76–90 is considered Financially Healthy and is a great target for most people. A score above 90 means you're a Financial Champion — in the top tier of Indian savers and investors. The average Indian scores between 40–55, so even reaching 65+ puts you well ahead.

How can I improve my Life Score fast?

The fastest wins: (1) Get term insurance — a ₹1 Cr cover for a 30-year-old costs under ₹1,000/month and adds 7 points. (2) Open a dedicated emergency fund savings account — adds up to 5 points. (3) Start a SIP of even ₹1,000/month — adds up to 7 points. These three actions alone can add 15–20 points within a month.

What is the difference between Life Score and CIBIL score?

CIBIL score (300–900) measures only your creditworthiness — how responsibly you've borrowed and repaid debt. Life Score (0–100) measures your overall financial health across five dimensions: savings, investments, insurance, debt management, and goal planning. A good CIBIL score means you're credit-worthy; a good Life Score means you're genuinely financially secure.

Does this cost anything?

The Life Score calculator is completely free, forever. PaisaToBoltaHai is a financial literacy platform — our mission is to help every Indian understand and improve their money situation. There are no hidden charges, no sign-ups required.

What's Your Financial Life Score?

Why Financial Health Matters: The 5 Pillars

How the Life Score is Calculated

What the Average Indian Scores — and the Common Weak Spots

30-Day Financial Health Challenge

Frequently Asked Questions