Financial health score
Eight questions, one score out of 100, and the next step for each area that needs work.
Example result
- Your score
- 76 / 100
- Overall
- Steady
Score by area
| Area | You | Score /100 | Weight % |
|---|---|---|---|
| Savings rate | 30.0% | 100 | 25 |
| EMIs vs income | 20.0% | 100 | 20 |
| Emergency fund | 3.0 months | 50 | 20 |
| Insurance cover | Life 5.0× income | 75 | 15 |
| Investment rate | 10.0% | 50 | 20 |
How this is calculated
FID's health score is our own transparent model. Five areas are each scored 0–100 on a straight line between a starting point and a target, then weighted:
- Savings rate (25%) — (income − expenses − EMIs) ÷ income. 0% scores 0; 30% or more scores 100.
- EMIs vs income (20%) — EMIs ÷ income. 20% or less scores 100; 50% or more scores 0.
- Emergency fund (20%) — liquid savings ÷ monthly (expenses + EMIs). 6 months or more scores 100.
- Insurance (15%) — average of life cover (10× annual income scores 100; full marks if no one depends on you) and health cover (₹5 lakh or more scores 100).
- Investment rate (20%) — monthly investments ÷ income. 20% or more scores 100.
Bands: 80+ strong, 60–79 steady, 40–59 needs attention, below 40 at risk. In your FID account, the inputs come from your transactions (average of the last three full months), loans, holdings and insurance details.
Questions
Is this a credit score?
No. It is FID's own transparent model of everyday financial resilience. It does not use your credit history and is not shared with anyone.
How are the five areas weighted?
Savings rate 25%, EMIs vs income 20%, emergency fund 20%, investment rate 20% and insurance 15%. Each area scores 0–100 on a straight line between a starting point and a target; the methodology page lists every target.
What score should I aim for?
80 or above is strong, 60–79 steady, 40–59 needs attention and below 40 is at risk. Improving the lowest area usually moves the score most.
Estimates for educational purposes only. Not financial, tax or investment advice.