What the score measures
Money Score is a quick, private check of the habits that matter most to financial security. It isn't a credit score and has nothing to do with your CIBIL score. It rewards the basics that protect you from shocks and help you build wealth. Everything runs in your browser; nothing is stored.
| Area | Points | Full marks when |
|---|---|---|
| Emergency fund | 25 | 6+ months of expenses set aside |
| Saving rate | 25 | 25%+ of income saved or invested |
| Debt load | 20 | EMIs at or below 10% of take-home pay |
| Health insurance | 12 | Adequate personal or family cover |
| Spending awareness | 10 | You track spending every month |
| Life cover | 8 | Term cover in place, or no dependants |
Example result
How to raise your score
- Safety first: an emergency fund and health insurance protect everything else. Size yours with the emergency fund calculator.
- Cut expensive debt: credit card and personal loan interest outpaces almost any investment. Plan it with the debt avalanche calculator.
- Automate saving: start a SIP on salary day, so saving happens before spending. Try the SIP calculator.
- Protect your family: if anyone relies on your income, term insurance is inexpensive and essential.
Revisit your score every few months. Moving just one area from red to green usually adds 10–20 points. Want to test your money knowledge too? Take the Money IQ test.
A 30-day plan to raise your score
- Week 1: list every EMI and card balance; set up auto-pay for at least the minimums.
- Week 2: open a separate savings account or liquid fund for emergencies and set a monthly transfer.
- Week 3: check your health cover; if you only have employer insurance, get quotes for a personal policy.
- Week 4: start or increase a SIP by at least 5% of your income.
Frequently asked questions
Is Money Score the same as a credit score?
No. A credit score (like CIBIL) measures how you've repaid loans. Money Score looks at overall financial habits and is only for your own guidance.
Is my data saved?
No. The calculation runs in your browser and nothing is sent to our servers.
What's a good Money Score?
70 or above means a solid foundation. Below 50, focus on the single area marked as your biggest opportunity.