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Personal Finance OS

Financial Health Score that reflects your real accounts

See a clear 0–100 health score from savings rate, debt, cash, and investments — then fix what matters next.

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We do not sell personal information to third parties.

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Why a health score exists

Scattered balances make it hard to know if you are okay. A single score turns savings, debt, cash, and investments into a readable signal.

Capitallytics calculates health from your ledger and portfolio — not from numbers you type into a quiz.

Use the score as a starting point, then open Income, Expenses, or Debt to improve the inputs that drive it.

How the score is calculated

The score is 0–100 and is built from six areas, each worth a fixed number of points: emergency fund 25, saving 20, debt 20, insurance 15, diversification 10 and goals 10. Each area scores on a straight line between a full-points level and a zero-points level.

Emergency fund compares liquid money (cash, bank and savings) with essential monthly expenses including EMIs: full points at six months or more. Saving uses your savings rate: full points at 20% or more, none at 0% or below. Debt uses EMIs as a share of monthly income: full points at 30% or less, none at 50% or more. Insurance compares term cover with a suggested amount (10 points) and checks family health cover of at least ₹5 lakh (5 points). Diversification uses the lower of the largest-asset-class and largest-holding checks, and goals use the average percentage on track.

An area with no supporting data is shown as Not enough data — it is never filled with a default — and the score is re-scaled over the areas that do have data, for example "Score based on 5 of 6 areas". At least two areas are needed. Tiers are educational labels: 80+ excellent, 65–79 good, 45–64 average, below 45 needs attention. This is not a credit score, not a forecast, and not personalized advice.

How Capitallytics is different

Many apps ask you to rate yourself. We score from live financial data you already track.

Personal CFO insights explain the drivers — for example, high expense ratio or thin emergency cover — with a clear next action.

The suggested next action is the scored area with the most points still to gain, written as a concrete step such as how much more to keep each month to reach a 20% savings rate.

Sample data · a fictional salaried household, five of six areas with data

Example: how a score of 70 is built

Example only, educational information and not advice. The household has four months of emergency cover, a 15% savings rate, EMIs at 36% of income, a diversification score of 80 and goals 60% on track. No insurance details have been added yet.

Points by area (sample figures, not real data)
AreaReadingPointsOut of
Emergency fund4 of 6 months16.725
Saving15% savings rate15.020
DebtEMIs 36% of income14.020
InsuranceNot enough data——
DiversificationScore 80 of 1008.010
Goals60% on track6.010
Total5 of 6 areas59.785
  1. Emergency fund: 25 × 4 ÷ 6 = 16.7. Saving: 20 × 15 ÷ 20 = 15. Debt: 36% sits 14 points above the 50% zero line on a 20-point scale, so 20 × 14 ÷ 20 = 14.
  2. Diversification: 10 × 80% = 8. Goals: 10 × 60% = 6. Insurance has no data, so it is left out rather than counted as zero.
  3. The score is 59.7 ÷ 85 × 100 = 70.2, shown as 70, in the Good tier (65–79), and labelled as based on 5 of 6 areas.
  4. Most points left to gain are in the emergency fund (8.3), ahead of debt (6) and saving (5), so building liquid savings is the suggested first step.

The score is a summary, not a judgement. The table behind it, and the one area with the most room to improve, are what make it useful.

Financial Health Score

Key features

Live score

Updates when income, expenses, debt, or banking change.

Emergency cover

See months of expenses your cash can support.

Tied to goals

Health improves as savings and goals progress.

AI explanation

Personal CFO explains what moved the score.

Why people use Capitallytics

Clarity in one number

Know whether to cut spending, build cash, or stay the course.

Free to start

Core scoring ships with Start Tracking Free.

Financial Health Score FAQ

Short answers on plans, data handling and how this works, before you sign up.

Is the Financial Health Score advice?
No. It is an educational summary of your tracked data. Always do your own research.
What data powers the score?
Income and spending (for the savings rate), loan EMIs, cash, bank and savings balances, essential expenses, insurance cover, investable assets and goal progress, when those records exist. Missing inputs are skipped, not guessed.
Can I improve my score?
Yes — raise savings rate, reduce high EMI load, and build emergency cash. The Overview points to the next module.
Do I need a paid plan?
Core tracking and health scoring are available on the free tier. Personal Pro deepens portfolio analytics.
Why does my score say it is based on fewer than six areas?
Some areas have no data yet, for example insurance cover you have not entered. Those areas are left out and the score is re-scaled over the rest. Adding the missing details gives a fuller score.

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