Honest money, explained simply.
No jargon and no product pushing — the arithmetic behind a healthy Indian household balance sheet, and the habits that hold it together. Every number here is the one the score itself uses.
How much of your salary should you actually save?
The answer is a rate, not a rupee figure: 20% of take-home, why that number and not 50%, what counts (EMIs do not), and the four changes that move it.
Read the essay →What share of your salary should go to EMIs?
Keep total EMIs under 30% of take-home — what happens to your score above it, which loan to clear first, and why getting under 30% before a home loan is not a delay.
Read the essay →Term, endowment or ULIP — which one is actually insurance?
Why a policy that promises protection and returns delivers a poor version of each, what ₹1 crore of cover really costs at 30, and what to do if you already own an endowment.
Read the essay →How much health cover does an Indian family need?
Why ₹5 lakh is a floor and not a target, why the company policy is not the answer, floater versus super top-up, and the four clauses that decide whether a claim pays.
Read the essay →Where your first ₹1 lakh should actually go
The order of operations that decides more than the instrument: cover, then debt, then surplus, then the cushion, and only then a SIP — plus the allocation once you get there.
Read the essay →A nominee is not an heir — and why that matters in India
Nomination decides who receives; a will decides who owns. The one exception for life insurance since 2015, and the hour that saves a family months.
Read the essay →The renewal dates that quietly cost you the most
A lapsed term policy, a health renewal that resets your waiting periods, an FD rolled at the wrong rate — which dates matter, and when a reminder actually has to arrive.
Read the essay →What a Financial Lifestyle check-up reads that a score cannot
Nine numbers tell you what is true. Twenty-five answers tell you why it keeps happening — what the check-up asks, what comes back, and who reads it.
Read the essay →How the Mr. Fino score is calculated
The exact method behind the 0–100 Financial Health Score: five weighted pillars — savings 25, debt 20, emergency cushion 20, protection 20, investments 15 — the nine numbers it reads, and the six-rung ladder it hands you.
Read the essay →How much cash should an Indian household keep liquid?
A concrete emergency-fund target (six months of what you actually spend), where to park it, what counts as an emergency, and a build plan that survives real life.
Read the essay →Term cover: how much is enough — and how much is too much?
Why ten times annual income is the term-insurance benchmark for most Indian families, what a ₹1 crore policy really costs at 30, how to adjust for loans and dependants, and the four mistakes to avoid.
Read the essay →Reading is good. Knowing your number is better.
The assessment turns these essays into your own figures — free, no documents and no bank login.