Investment Calculator
Investment Meter
0% of Score
GoPocket Score
Introduction
Looking to understand how healthy your finances are? Use GoPocket’s Investment Health Score Calculator to get a clear snapshot of your financial fitness — all in under 60 seconds. Just enter your monthly income, expenses, EMIs, and existing investments, and our calculator will instantly generate a score between 0 and 100 based on proven personal finance metrics.This score helps you identify whether you’re overspending, under-investing, or on the right track to achieve your goals — like financial independence, early retirement (FIRE), or wealth building. Built on smart budgeting principles and Indian financial behavior, this tool is perfect for salaried professionals, first-time investors, and anyone looking to improve their money management.No complex math, no jargon — just actionable insights to improve your investment strategy. Backed by GoPocket’s research team, this calculator guides you toward better allocation in mutual funds, SIPs, bonds, and insurance.
What is an Investment Health Score?
Your Investment Health Score is a number from 0 to 100 that evaluates how well you manage your income, expenses, savings, and investments. A higher score means stronger financial discipline and greater readiness to invest or take long-term risks.
How It Works – Calculation Example
Let’s say:
Monthly Salary: ₹50,000
Home Rent: ₹10,000
EMI: ₹5,000
Needs: ₹4,000
Wants: ₹4,000
Monthly Investment: ₹7,000
Emergency Fund: ₹90,000
Step-by-step:
Total Expenses = ₹23,000
Savings = ₹20,000
Savings Rate = 14%
Expense Ratio = 46%
Emergency Fund Score = Covers ~6 months = full 20 pts
Investment Share Score = Moderate = ~13 pts
Total Score ≈ 67/100 → You’re doing well! Time to diversify investments.
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