Is my financial data saved?

By default, no. Your checkup inputs are processed in your browser. If you choose Save draft, the draft stays only in this browser's localStorage.

Do I need PAN, Aadhaar, OTP, or bank login?

No. NiyamFin does not ask for identity documents, OTPs, bank credentials, UPI PIN, card numbers, or account numbers.

Is this financial advice?

No. NiyamFin gives educational estimates based on formulas and assumptions. It is not investment, tax, insurance, lending, or legal advice.

Can I use rough numbers?

Yes. Approximate household numbers are enough for a useful first read. You can always revise the assumptions later.

NiyamFin - financial health & decision tools for India

Know where your money stands.

Check savings, emergency reserves, debt, retirement and protection in about four minutes - using rough numbers that stay in your browser.

About 4 minutes · Rough numbers are fine · No PAN · No Aadhaar · No bank connection

Check my financial health Find a tool

Specimen reportPrivate preview

Financial Health Score

78/ 100

Sample

First area to review

Debt burden

50 / 100

24.8% EMI / income. Full points at ≤15%; zero at ≥60%.

100

Savings

Emergency reserve

Debt

100

Retirement

Insurance

Not saved by defaultNo PAN, Aadhaar, or bank login

Browser-first

India-specific

Published methodology

Independent calculations

Start with your question

Find a tool for your next money question.

Choose a question to see an existing tool. No financial details are needed here, and your choice is not saved.

What would you like to understand?

Not sure where to start? The Financial Health Check gives an overview, or browse the complete calculator catalogue above.

Learn at your own pace

Understand the numbers.

Start with a sample Financial Health Check or read a plain-English guide before using a tool.

View sample report

Browse all articles

Trust & transparency

Independent by design.

Calculations run in your browser. Results are educational estimates based on your inputs and published assumptions, not investment, tax, insurance, lending or legal advice. NiyamFin does not provide product recommendations.

Calculations and educational conclusions are not influenced by commercial relationships. Review the methodology and its limitations before interpreting a result.

Privacy and local saving Methodology and limitations

Frequently asked

The questions people ask most.

Ready when you are

Check your financial health in four minutes.

Check my financial health

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Independent by design.

Calculations and educational conclusions are not influenced by commercial relationships. Review the methodology and its limitations before interpreting a result.