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About you
Basic details about your age, retirement plans, and location. Takes 3–5 minutes.
What is a financial health checkup?
A financial health checkup is a structured look at where your money stands today — income versus outflow, assets versus liabilities, and whether you are on track for the big goals: an emergency fund, adequate insurance, and a retirement corpus. Just as a medical checkup measures blood pressure and cholesterol against known healthy ranges, a financial checkup measures a handful of well-established ratios against benchmarks used by Certified Financial Planners (CFP) worldwide and adapted for Indian household finances.
Niyamfin runs this checkup free, in under five minutes, entirely in your browser. You enter your monthly income, living expenses, EMIs, assets (cash, investments, EPF/NPS, property), loans, and insurance cover. The calculator then computes your net worth, five core financial ratios, your retirement corpus gap, an illustrative life and health insurance gap, and a single Financial Health Score from 0 to 100 — with plain-language explanations of what each number means and what to fix first. Nothing you type is sent to a server.
The five financial ratios, explained
Savings ratio
Healthy: 20% or more of income
The share of your monthly income that goes into savings and investments — including SIPs — after living expenses and EMIs. Most planners treat 10% as the floor and 20% as the healthy target. It is the single strongest predictor of long-term wealth.
Emergency cover
Healthy: 6+ months of expenses
How many months your liquid savings (cash, bank balances, and non-retirement investments) could cover your expenses and EMIs if income stopped tomorrow. In India, where job transitions and medical events often bring sudden costs, 3–6 months is the commonly cited buffer.
EMI-to-income ratio
Healthy: below 35%
The share of monthly income committed to loan EMIs. Lenders and planners alike treat 35% as the comfort ceiling — above 45%, a single income disruption can cascade into missed payments and high-cost borrowing.
Debt-to-asset ratio
Healthy: below 50%
What portion of everything you own is effectively funded by debt. Below 50% means you own the majority of your assets outright; above it, your net worth is more vulnerable to property or market downturns.
Liquidity ratio
Healthy: roughly 12–25% of assets
The share of your total wealth you can access quickly. Too low and an emergency forces you to sell property or break retirement savings; too high and your money sits idle losing to inflation.
Want the formulas?
Every calculation — retirement corpus, SIP solver, Human Life Value insurance estimate — is documented openly on our Methodology page. No black boxes.
How much do you need to retire in India?
The honest answer is: it depends on your expenses, not your income. The standard approach — which Niyamfin uses — inflates your current monthly living expenses to your planned retirement age, then computes the corpus needed to fund those expenses through your life expectancy, accounting for post-retirement investment returns. At 6% inflation, expenses roughly double every 12 years, which is why a comfortable ₹60,000/month lifestyle today can require a corpus of several crores by the time a 30-year-old retires.
The good news: time is the biggest lever. Because of compounding, an SIP started at 28 can need less than half the monthly amount of the same goal started at 38. The calculator shows your exact gap and the monthly SIP that would close it — and the what-if sliders let you test retiring earlier, investing more, or higher inflation before you commit to anything.
Why an emergency fund comes first
Before SIPs, before prepaying loans, before tax-saving investments — planners almost universally recommend building a liquid emergency buffer of 3–6 months of expenses. Without it, any surprise (a job loss, a medical bill, an urgent family need) forces you into credit card debt at 30–42% annual interest or breaks your long-term investments at the worst possible time. With it, every other part of your financial plan becomes resilient. Niyamfin shows exactly how many months of cover you currently have and how long it will take your monthly surplus to fill the gap.