Eight dimensions. One honest picture.
How much income is spoken for before you spend. Yours: 68% — danger zone.
What actually compounds, not what you think you save. Yours: 4.2% — not enough.
Months you survive on liquid savings alone. Yours: 1.3 mo. A common benchmark is ~6 mo.
Term cover vs annual income. Yours: ₹0 term — family unprotected.
Wealth in growth assets. Yours: 92% gold and FD. Benchmark context for inflation, not a product pick.
EMIs as % of take-home. Yours: 34%. Many frameworks flag stress above 40%.
Bonuses actually invested. Last 3: 0% — spent within 60 days.
80C + regime fit. ₹62k headroom unused. We show regime scenarios, not a filing prescription.
Built for how Indians actually earn.
HDFC salary, Kotak savings, ICICI joint — real savings rate across all three, one view.
Lumpy income, TDS everywhere — health that respects volatility, not a salary fantasy.
₹25k to parents, ₹10k for fees — commitments as fixed lines, not noise.
Two salaries, shared EMIs, separate accounts — one household view you both read.