Financial Health Check Tool: score, goals, portfolio review and PDF report

Fill in what you know, press Generate my report and get a 15-section financial health report: your health score in eight areas, cash-flow ratios, emergency fund, protection gap, goal-wise SIPs, retirement estimate and a review of your mutual fund portfolio, including XIRR. Skip anything you do not know. Binod Kumar Shukla will go through it with you in a free review.

Privacy: everything is calculated in your browser. Nothing you type is sent to us or stored. If you print or save the PDF and share it, that is your choice. Want the guide first? Read how a financial health check works.

1. About you

Name

Age

DependentsBachche, parents

Marital status

Income patternSets emergency fund target

Comfort with ups and downs

2. Monthly cash flow (₹)

Net monthly incomeTake-home

Other incomeRent, side income

Household expensesRent, food, school fees, bills

Total EMIs

Insurance premiumsPer month equivalent

Monthly SIP for goalsExcluding retirement

3. What you own and owe (₹)

Bank savings balance

FD / RD / liquid funds

Mutual funds, current valueAuto-used from section 8 if you add funds

Direct stocks

EPF / PPF / NPS balance

Gold held as investment

Home loan outstanding

Car loan outstanding

Personal loan / card dues

4. Insurance and protection (₹)

Term life cover that stays with youExclude employer group cover

Health cover (sum insured)Total, family

Accident / disability cover?

Years of income to replace

5. Goals

Add each goal with a date: child education, marriage, home, vehicle, anything. Retirement goes in section 6.

6. Retirement and return assumption

Retirement age

Plan up to age

Inflation % a year

Return after retirement %

Assumed return before retirement %Also used for goals. Not a promise.

Retirement savings so far (₹)EPF, PPF, NPS, retirement funds

Monthly retirement savings (₹)EPF, NPS, PPF, SIP

Household expenses at retirement, today's value (₹/month)Blank = same as now

7. Tax and estate I compared the old and new tax regimes this year Nominees are updated in all mutual fund folios, bank accounts, FDs, insurance, EPF and NPS I have a Will

8. Mutual fund portfolio (optional)

Add each scheme you hold. Category and AMC help check overlap and concentration. Copy the values from your CAS statement.

XIRR (optional)

Enter dated cash flows, one per line: YYYY-MM-DD, amount. Investments as negative numbers, redemptions as positive. The total current value above is added as today's closing value. Or generate the lines for a regular SIP:

SIP amount (₹)

First instalment month

Number of instalments

Cash flows