Saving

“Saving Ratio” simply means how much do you save each month after your core expenses. Core expenses here means most critical expenses of any person like grocery, children school fees, rent and other expenses which are life neccessities. HOW YOUR SAVING LOOKS LIKE Expenses here considers all the core expenses, but does not count EMI’s, […]

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EMI/income

EMI/Income score measures what part of your income per month is going into paying debts (EMI). Note that amount left after EMI is the one you can use to 100 pay for your expenses and for investing for your future. If this score if on higher side, it can potentially mean that you are not […]

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Family Protection

This score tells you how secured is your family against the risk of death of the main earning member. In that case the family should be able to pay off liabilities and also be able to generate the monthly income. The house they live in is not considered for calculation of this score. Also its […]

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Health Insurance

Health Insurance Score is a simple measure of how well you have taken care of your family’s health insurance. In today’s times, a good enough cover is Rs. 10 Lacs, because its a decent amount and the premiums are not much if you are young and healthy. So better cover yourself and your family with […]

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Portfolio Return

This parameter simply finds out if your portfolio returns are good for your situation or not. Ideally a person should be able to get more than inflation returns by some margin depending on their age. This is very important considering wealth creation over long term. Returns Assumptions as follows – (Equity : 12%) (Debt : […]

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Financial Goals

FINANCIAL GOAL SCORE This score tells you how capable you are to reach your goals using your current arrangement (amount you have planned for your goals) . If you score X, then it means you will be able to reach only X% of your overall goals. You have 100-X of gap. Try to increase your […]

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Investible Surplus

Investible surplus means the amount you are left with purely for INVESTING after all your expenses and EMI’s . So take your total income and reduce your expenses (household) and EMI + all premiums and you will be left with the investible surplus amount. Right now you might be investing some money out of this […]

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Debt/Assets

It’s a simple check on how much assets you hold compared to debt. A person should have good enough amount of assets compared against debt, otherwise it’s a very leveraged situation and most of the investors are not comfortable with that situation. You will often see many millionaires deep into debt which is of no […]

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Financial Freedom

One can consider themselves financially free if their networth is 300 times or more of their basis survival expenses per month. So this score will tell you long can you survive using your networth (all your assets – house where you live – all liabilities) . You will also get a score out of 100 […]

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Splurging Index

Eating out and spending money on entertainment is integral part of life these dasy. While its surely very important to spend on these things, a lot of people 100 just go overboard and spend too much on this category. So splurging score tells you what part of your income do you spend on eating out […]

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