About the AI Financial Advisor
What is the AI Financial Advisor?
This planner gives you a financial health score across six areas that matter most: saving, debt, emergency fund, life cover, health cover and long-term investing.
Your three weakest areas become your priority actions.
How to use the AI Financial Advisor
- Age (sample: 32)
- Monthly Take-home Income (₹) (sample: 1,00,000)
- Monthly Expenses excluding EMIs (₹) (sample: 55,000)
- Monthly EMIs (₹) (sample: 20,000)
- Emergency Fund – savings account, liquid funds, FDs (₹) (sample: 2,00,000)
- Long-term Investments – MF, stocks, EPF, PPF, NPS (₹) (sample: 8,00,000)
- Term Life Cover (₹) (sample: 50,00,000)
- Health Insurance Cover (₹) (sample: 5,00,000)
- Financial Dependents (sample: 2)
- Press Check My Financial Health (results also refresh as you type). The result card shows the Financial Health Score, along with Rating, Monthly savings, First priority and Second priority.
Formula used
Score = Savings (25) + EMI burden (20) + Emergency fund (15) + Life cover (15) + Health cover (10) + Investments (15)
- Targets = save 30%+, EMIs under 20% of income, 6 months' emergency fund, term cover 10× income, investments 1× income at 30 rising to 8× at 60
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Age | 32 |
| Monthly Take-home Income (₹) | 1,00,000 |
| Monthly Expenses excluding EMIs (₹) | 55,000 |
| Monthly EMIs (₹) | 20,000 |
| Emergency Fund – savings account, liquid funds, FDs (₹) | 2,00,000 |
| Long-term Investments – MF, stocks, EPF, PPF, NPS (₹) | 8,00,000 |
| Term Life Cover (₹) | 50,00,000 |
| Health Insurance Cover (₹) | 5,00,000 |
| Result | Value |
|---|---|
| Financial Health Score | 66 / 100 |
| Rating | Good |
| Monthly savings | ₹25,000 |
| First priority | Buy term cover of about 10× your yearly income |
| Second priority | Build an emergency fund of 6 months' expenses in a liquid fund or FD |
| Third priority | Invest more for the long term – equity SIPs for goals over 7 years |
How the planner works
These planners use published formulas and clearly stated assumptions rather than a black-box model, so you can see exactly why you get each result. Change any assumption to test your own view.
Tips for using the AI Financial Advisor
- Fix insurance and the emergency fund before investing aggressively.
- Recheck your score every six months or after a salary change.