Manage and streamline operations across multiple locations, sales channels, and employees to has improve efficiency and your bottom line.
- Pune
- 7719917444
- rajendra@puneinvest.com
- https://puneinvest.com
Financial Health Checker
Assess your financial wellness across 6 key dimensions and get personalized recommendations to improve your financial health.
20+ Years of Financial Advisory Experience
0
Overall Score
Category Scores
- Income & Budgeting 0
- Savings & Emergency 0
- Debt Management 0
- Investments 0
- Insurance 0
- Retirement Planning 0
Income & Budgeting
Assess your income stability and spending habits
What percentage of your income goes towards fixed expenses (rent, EMI, utilities)?
Fixed Expenses %
40%
How would you describe your budgeting discipline?
Do you have multiple income sources?
Savings & Emergency Fund
Evaluate your savings rate and emergency preparedness
How many months of expenses do you have in emergency savings?
What percentage of your income do you save each month?
Monthly Savings %
15%
Do you have specific savings goals (house, car, education)?
Debt Management
Analyze your debt situation and repayment strategy
What is your debt-to-income ratio (monthly debt payments ÷ monthly income)?
Debt Ratio %
30%
What types of debt do you have?
Do you pay credit card bills in full each month?
Investment Portfolio
Review your investment strategy and diversification
What percentage of your savings is invested (vs. in savings account)?
Invested Savings %
40%
How diversified is your investment portfolio?
How often do you review and rebalance your portfolio?
Insurance Coverage
Evaluate your risk protection and insurance adequacy
Do you have adequate life insurance coverage?
What health insurance coverage do you have?
Do you have other insurance (car, home, disability)?
Retirement Planning
Assess your retirement preparedness and future planning
What percentage of your income goes towards retirement savings?
Retirement Savings %
10%
Have you calculated your retirement corpus needed?
What retirement accounts do you have (EPF, PPF, NPS, etc.)?
Your Financial Health Report
Budget Health
Good
Fixed expenses: 40%
Savings Health
Fair
Monthly savings: 15%
Debt Health
Good
Debt ratio: 30%
Investment Health
Fair
Invested savings: 40%
Insurance Health
Poor
Coverage adequacy
Retirement Health
Fair
Retirement savings: 10%
High Priority
Enhance Insurance Coverage
Secure term life insurance of 10x annual income and comprehensive health insurance for family. Consider critical illness and disability covers.
Medium Priority
Boost Investments
Increase equity exposure through SIPs in diversified mutual funds. Aim to invest 60% of savings for better long-term returns.
Medium Priority
Build Emergency Fund
Save 6 months of expenses in liquid assets. Start with 1 month and build gradually through monthly contributions.
Low Priority
Accelerate Retirement Savings
Increase retirement contributions by 2% annually. Consider NPS for additional tax benefits and long-term growth.
Financial Health Radar Chart
Visual representation of your financial health across all key dimensions.
90-Day Action Plan
Week 1-2
Insurance Review
Get quotes for term life insurance and health insurance. Review existing policies for gaps.
Week 3-4
Budget Optimization
Track expenses for 30 days. Identify 3 areas to reduce spending by 10% each.
Month 2
Emergency Fund Setup
Open separate savings account. Set up auto-transfer for emergency fund contributions.
Month 3
Investment Strategy
Start 2 SIPs in equity mutual funds. Review and rebalance existing investments.
Get Your Personalized Financial Health Plan
As a financial advisor with 20+ years of experience, I can help you create a customized plan to improve your financial health and achieve your goals.
Your information is 100% secure. We respect your privacy and never share your data.
Important Disclaimer
This financial health checker provides an educational assessment based on the inputs provided. Please note:
- This tool is for educational purposes only and not a substitute for personalized financial advice
- Scores are based on general financial principles and may not reflect individual circumstances
- Investment recommendations are general and not specific investment advice
- Insurance needs vary based on individual circumstances and dependents
- Retirement planning assumptions are based on average life expectancy and inflation
- Consult with a qualified financial advisor before making any financial decisions
- Past investment performance is not indicative of future results
- Regular review and adjustment of financial plans is recommended