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Smart Financial Advisor

Your complete financial reality check β€” health score, loan timeline, savings projection, and personalised insights.

Your Financial Details
1
Income Monthly take-home
Monthly Take-Home Salary
β‚Ή
1 Lakh
Expected Annual Salary Growth
% / yr
Hike or business growth expected per year
Your Age
yrs
2
Monthly Expenses Excluding loan EMIs
Fixed Expenses
β‚Ή
30 Thousand
Rent, utilities, insurance, subscriptions
Variable Expenses
β‚Ή
20 Thousand
Food, shopping, entertainment, travel
3
Loans & Credit Leave EMI = 0 if no loan
🏠 Home Loan
Monthly EMI
β‚Ή
Months Remaining
mo
Set months if EMI > 0
Outstanding Balance
β‚Ή
πŸš— Car Loan
Monthly EMI
β‚Ή
Months Remaining
mo
Set months if EMI > 0
Outstanding Balance
β‚Ή
πŸ’³ Personal Loan
Monthly EMI
β‚Ή
Months Remaining
mo
Set months if EMI > 0
Outstanding Balance
β‚Ή
πŸ’³ Credit Card
Monthly CC Dues / EMI
β‚Ή
Months Remaining
mo
Set months if EMI > 0
Outstanding CC Balance
β‚Ή
Total revolving credit card debt
4
Savings & Investments
Current Savings Balance
β‚Ή
2 Lakh
Bank balance + liquid FDs
Monthly Investments / SIP
β‚Ή
10 Thousand
SIP, PF, NPS, stocks β€” all combined
5
Financial Goals Up to 3 goals
Analysing your finances…
Building your 5-year projection
-- /100
Financial Health Score
β€”
β€”
πŸ’° Monthly Cash Flow Breakdown
🏦 Loan Repayment Timeline
πŸ“ˆ 5-Year Financial Projection
Year Income/mo EMIs/mo Freed Cash Surplus/mo Savings Rate
πŸ’‘ Personalised Insights

Why does your Financial Health Score matter?

Most people in India know their credit score but have no idea what their overall financial health looks like. Your credit score only tells lenders how reliably you repay debt β€” it says nothing about whether you have enough savings, whether your expenses are under control, or whether you are on track for your life goals.

The Compounza Financial Health Score is a 0–100 rating built from four pillars of personal finance that actually predict long-term financial security:

πŸ’°
Savings Rate
What % of your income goes into investments? Target is 20%. Below 10% is a red flag β€” your future self is being underfunded.
πŸ“‰
Debt Burden
EMIs should not exceed 35–40% of take-home pay. Above 50% means you are working primarily to service loans, not build wealth.
πŸ›‘οΈ
Emergency Fund
At least 6 months of expenses in liquid savings. Without this buffer, any job loss or medical emergency can collapse your finances overnight.
⚑
Cash Flow Surplus
After all expenses and investments, you should still have breathing room. A negative or zero surplus means you are one bill away from stress.

How the Score is calculated

Each of the four pillars contributes up to 25 points, giving a maximum of 100.

Score = Savings (25) + Debt (25) + Emergency (25) + Cash Flow (25)
Savings pts = min(25, savings_rate / 20% Γ— 25)
Debt pts = max(0, 25 Γ— (1 βˆ’ EMI_ratio / 40%))
Emergency pts = min(25, months_covered / 6 Γ— 25)
Cashflow pts = min(25, surplus_ratio / 10% Γ— 25)
80 – 100Excellent β€” Wealth builder. Focus shifts to growing investments.
65 – 79Good β€” Financially stable. Fix one weakness to reach excellent.
50 – 64Fair β€” Basics in place but gaps need attention this quarter.
0 – 49Weak β€” Urgent action on debt reduction and emergency savings.

Understanding the 5-Year Projection

The projection models your finances year by year using two real forces most calculators ignore:

  • Income grows at your specified annual rate (salary hike or business growth).
  • Expenses rise at 6% per year due to inflation β€” food, rent, utilities all get more expensive.
  • Loans close β€” when an EMI ends, that cash is automatically marked as "freed" and your surplus jumps.

The key insight is the freed cash column. Most people spend their EMI money the moment a loan closes. If you redirect even 50% of that freed EMI into a SIP, the compounding effect over 5–10 years is dramatic.

πŸ’‘ Rule of thumb: For every β‚Ή1,000 freed from a closed loan, investing it at 12% returns grows to β‚Ή1,76,000 in 20 years. The earlier you redirect, the bigger the outcome.

Disclaimer

All calculations are illustrative and based on the inputs you provide. Returns on investments are not guaranteed. Inflation and actual salary growth may vary. This tool is designed to give you directional clarity β€” not financial advice. For investment decisions, consult a SEBI-registered financial advisor.

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